How did you know you were ready to move in with your partner?

Shamya

So as the title says, how did you know you were ready to move in with your partner? My boyfriend and I have been dating for four years and are living with our parents( I live with my mom and he lives with his family) but it's not the best environment for reasons I won't get into, we live in NYC so apartments are EXPENSIVE and I figured it would be cheaper to move in together we both have jobs and he just got a new job but besides it being cheaper I can see a future with him and I'm ready to start that next step with him ik I have to have a real conversation about finances and diving housework, etc. I just don't know how to approach the conversation and Idk what to do.