We get it. When you're dating someone pretty seriously, it can feel like you're already doing life together. But here’s the deal: sharing finances is a marriage-level commitment. When you combine bank accounts before you’ve said “I do,” you’re tying your financial future to someone without the legal or emotional security that marriage brings. And if things go sideways, untangling that mess is way harder than you think. So protect your heart AND your money. Wait until you’re officially a team to