
My boyfriend and I have been together for nearly two years, living together for one. He purchased his house before we started dating, and I moved in from a rental. He pays the mortgage, and I cover all utilities, maintenance, and groceries, which felt fair.
As we talk about our future—marriage and kids—we’ve discussed renovating the house so it’s suitable for a family. The estimated cost is around $100,000, and the idea was that this would be my “buy-in” to the house. We even talked about drawing up an agreement to protect both of us.
As this has become more real, I’ve started feeling unsettled about investing that much money into a house I don’t own. I told him I’d want to be engaged before starting renovations so I feel the commitment matches the risk.
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