I'm in a catch 22 for joint accounts I want to do it because we live together and it will make bill paying easier and saving for a house but I don't play about my hard earned money because if shit hits the fan ( but I'mma try my damn hardest for it not to unless he cheats or do something out of line ) I don't want my hard earned money to disappear. We are not married either we are going on three years with no babies. Should I wait till marriage or is there a better way to ease the second thoughts in the back of my head . Yes I trust him yes I love him but money keeps a roof over my head. Please I just need advice on what to do or what you did in your relationship