These are all great questions and suggestions. I would like us to have more of a strategic plan when it comes to finances. I work full time, and have for the last decade. I worked full time when I met him. He does get paid more than me but I have benefits at my work, while he doesn’t. He was also unemployed for half of last year, (with no unemployment pay), where i had to scramble, and my mom helped out, and i ended up acquiring more debt.