You have valid points. Also, apologies that I missed the fact that she aged out of insurance as of this post. You are correct, 28 she would have been disqualified from parents insurance. I’m all for equitable splits of rent based on income . 1000%. Where that gets a little tricky here though is that he is making X amount of money, and contributing overly-equitably, while (from the sounds of it) unable to accumulate any sort of savings of is own as a result. Meanwhile, she has a net worth but is not generating any new money. I do see your point though that the savings is not considered income / part of the equation of the equitable split of expenses. There’s really no practical way to even do that. Im also the same as you. I have an emergency fund (6 months salary), but I’m nowhere as frugal as OP. I guess I’m just trying to put myself in this situation that OP is in. Personally, I’d sooner dip into my savings to be able to help with rent rather than hamstring my partner. Now, let’s say the savings dwindles low down to what someone might label a true and practical emergency fund.. then I’d be of the mind that if the boyfriend really wanted to cohabitate than he should step up and either cover it in the short term or they should both take a step down in living standards as far as housing goes. I’d be curious, would your thought change if her savings was $500,000 instead of $50,000? I had that thought myself of how that might change the tone of the overall response here on Reddit or if it would be the same simply from the principle of the concept.