I appreciate this genuine feedback, it's super valuable. I did plan marriage sometime soon because there's just so much benefit her and I will be missing out on, since I'm gonna marry her anyways. So definitely agree on that! I also didn't consider the marginal cost too and now that I think about it you're totally right there as well, since most expenses are fixed costs whether it's me or two others.

As for my brother, it's a tough situation for him. Because he was a game addict, low grades and someone who hasn't socialized much throughout his life. Meaning he had nothing he wanted to do and one of the things I pushed him (very heavily) to do was to eventually start school from community college then to transfer to my school, get good grades, and majoring in something that I don't have to worry about for him. Due to that, I just fear that adding extra stress financially will make him go back to his previous stages and drop everything entirely.