Is it too soon?

Thayna • 🌺🌸
My boyfriend and I been together 3 years going to 4 year soon. We were planning to have joint account to save money together. Is that to soon? Or wrong? Since we only boyfriend/girlfriend not married. I know all his email password and bank account. He knows mine. We use each other card when its needed make deposits. We literally act like husband and wife already.