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The real incentive to have legal bonds comes near the end of life. If you are not married you cannot have any say in your significant others care. Family gets involved and it can get really messy.

My recommendation is, if you want to be together til the end of your days, ignore the financial negatives and take the leap. You will have some decisions to make and must research decision BEFORE the fact. Also to keep families calm etc. I would recommend that you get wills and/or trusts immediately upon marriage as well as medical power of attorneys for each other.

It doesn't seem to matter how little or much money is involved, but families can really go crazy. I have seen some really sad situations. Basically do what makes you both happy.

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