I don't know. If I had no assets going into the relationship I could see how I could honor the BF's request that we cohabitate but don't intermingle the assets "just in case". But we've a set of friends who did this after he had to give half his wealth from HIS business to his -ex in the divorce and now his live-in GF just gets Cadillacs and jewelry from him to prove his love and commitment (and she's become very resentful after 12 years). On the flip side, I had been dating my then BF (now husband) for 5 years and refused to cohabitate unless he was willing to commit long-term (e.g. Marriage since I sold my house to move into his). We both had our own houses, savings, jobs, 401k, etc. You really need to be on the same page and get you needs and fears out on the table.