This. I have a feeling OP’s actual expenditures are not $800 a month.

Was A renting out a room in the house before asking B to move in? If B moving in caused A to lose that income it seems fair to charge some amount of rent (although it should have been decided when B moved in, not 4 years later). BUT If A was paying the mortgage beforehand without planning to rent part of it out, maybe it's a little opportunistic to try to gain monetarily from living together? In that case, I would aim for a contribution that feels like an amazing deal on housing to B and a small perk for A instead of going for "fair" since this isn't the same as just being roommates. Maybe B pays all or most of the utilities? That way if you break up, B won't feel resentful for contributing to equity they won't retain and anything that B did pay is just gravy for A. If you do get married, it might not matter practically anymore, but things like this can cause lingering hurt feelings.

Firstly Partner A is already doing very, very well and B is doing very, very, very well. It's an awkward one, because when you're married you can view your finances as combined. There is no objective answer to this, personally I prefer treating each other like equal roommates. It is not enough to say "if fine" "I don't care", you both been to positively sit down and talk this through, talk about your values re: money, housing, expectations and responsibilities. Did either of you grow up with values to do with taking care of your partner, or looking for someone who will take care of you? Is B genuinely happy to subsidise A bearing in mind a 2:1 split in As favour of total housing costs of £1600 is effectively the same as B paying ~£300/month to A.

I mean in pretty much every case you’re going to have paid more by the end of the loan than what the car would be worth by then.

OP just needs to look at the interest rate. It’s too high. If their credit is shit, look for a cheaper car that they can buy cash (they should have plenty of cash on a $3200 salary with $800 expenses)

Respectfully, it would be insane to take a loan with a 13% interest rate and tie up 1/6 of your monthly income in that loan. I make mid-high 100s and I even have a hard time justifying getting a ~$500/mo car loan.

If you have an extra 2400 each month, you can save enough for this car in 8 months. Do that instead of a 13% loan. Also work on your credit if that's all the better of a loan you can get

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Do you have 16k? Do you have 10k? If no to both, keep making payments.

Then you've already worked out what's fair and probably no point in asking here.

"I'm ok with you making less" is directly followed by "And here's how we'll agree to cover costs".

2 weeks ago, you posted about buying a house.

Yes, it’s too much, especially for 5 years at 13% interest. You’re 20? Have you priced full coverage insurance?

Do you own a car now? What’s your total budget for car, insurance, maintenance? Likely, you should be budgeting $200-250/month for the latter 2 items given your age.

Save your surplus for 6-8 months, find a used car you can pay cash for.

That's how they get you. Sneaky bastards

This sounds like a dealership that makes money off financing, not selling cars.

Get a loan rate from your local credit union. A 7% rate would drop your payment $100/month. Thousands of $ in total interest over the life of the loan.

The car costs half of your yearly income, and that’s before accounting for the extra 8-9k that you’re paying in interest.

You need to be looking at a 10k car that you can pay off quickly.

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>Yes, you even confuse "return" and "refund"- the most basic of terms.

And also among the most commonly misused so it's not like OP isn't in very large company.

The World Map is hanging on my wall 😂

I can usually hold out on the new sets but when something I want is retiring I struggle to help myself. I’ve bought a few retired sets and I don’t wanna fall down that rabbit hole.

Lego Masters definitely doesn’t help! I follow too many Lego YT channels too.

H&R Block and TurboTax have bad reputations.

Go to TaxSlayer and try your own taxes both ways (married, filing joint or married, filing separately). You’ll see the difference for yourself.

What they should have advised you was to fill out new W4’s. That’s the easiest solution, especially for two income families.

Right, but if your romantic live-in partner of 4 years who you might even marry, had more milk than they needed, wouldn't it be reasonable to expect them to give you some of their extra for less than you'd pay at the grocery store? Shouldn't that partner WANT to share their extra? I'm not saying the lower earner should get a free ride, but in a loving partnership, you should want to share your standard of living as much as possible and not end up in a scenario like "Hey honey, let's go out to dinner" "Sorry, I can't afford that because rent is due this week." True: if B was living somewhere else, they'd have the same issue. But the difference is, it's within A's control to level the playing field. Why wouldn't a loving partner want to do that?

With $2,400 extra in your budget each month, why are you financing a car?

Dental hygienists make $70-80k, so it is always a good investment.

Haha nice, I've thought about doing that.

I also really like the world map set.

Been watching Lego Masters on Hulu, that's not helping to decrease my desire for Lego

One thing I haven't seen - consider taking out student loans if you can get federal loans, and using that money to pay of the high-interest credit card debt.

As soon as I can. I'm on Eastern Time.

The fact that your paychecks are still not $0 means you haven't reached maximum withholding. Maximum withholding is 100% of your paycheck.

Also, you haven't mentioned

• the amounts of your FIT withholding and your spouse's FIT withholding.
• the amounts of your pretax deductions and your spouse's pretax deductions. (Pretax deductions are things like health insurance, FSA/HSA, and pretax 401k)

(Supply the amounts for 2022 if your question is focused on 2022)

Combining 2 homes into 1 would be hard. You'd be moving your life into another person's space and that would require a lot of communication and financial arrangements that are too nuanced/emotional/personal to have any logic from a financial side.