create a pre nup agreement while you 2 are still talking. Write it all down, dont include anything emotional. Have it notarize. NoLo.com has a home skillit book out there. while your on a roll write a general power of attorney and will. Dont forget to switch beneficiaries on all the 401K's too. Get a safe you keep in the house.
He is more than a room mate?? Will you share everything?? Marriage is about creating a common household together, good or bad like your parents. I would get serious on this when you plan to get married. DO NOT TREAT THIS LIGHTLY, IT HAS GRAVE LEGAL CONSEQUENCES. The in sickness or health, good or bad really really will come to pass, life is a long winding road. I cant stress this more; sickness, health, good, bad YOU WILL EXPERIENCE ALL OF THESE. If any small tiny doubt DONT DO IT. Couples dating >3years show a resistance to divorce. Good luck, do what you want.
Keep both of your personal bank accounts and have your pay check(s) deposited into a common account. Run the house off the common account(s). Having a common account gives a clear indication if you two can afford that NYC vacation. I like using Chase Bank for the common account because they have a functional on line quick pay, easy to transfer between outside banks, all on line. We meet up at a hole in the wall bar once a week to discuss fiances. I asked his permission before going ahead to buy a nail gun off ebay. He asked if he can go ahead with his dad's new cell phone. We dont argue on money but my last straight marriage we did.