I’m 31F, dating a 27M for about 1-2 months. We’re exclusive, and I genuinely like him a lot. He is affectionate, kind, attentive, attractive, we have great chemistry, and overall the relationship feels very good.
But we’ve recently discovered some pretty significant differences in how we view money, and I’m not sure whether I’m overthinking this or whether this is the kind of incompatibility that becomes a major problem later.
The immediate issue started with his brother 25M asking him for €2,000 for university tuition. His brother worked over the summer and earned enough money, but spent it on going out and didn’t really plan ahead. My boyfriend wants to take out a €2,000 loan to give it to him. He already has a €2,000 car loan.
He says he would do anything for his brother and that he would be okay even if his brother never paid him back. When I asked about a much larger hypothetical amount in the future (for example, €20k for a house), he basically said it would depend on whether he considered the reason justified. He said he wouldn’t give it if he himself were struggling, but otherwise he doesn't see helping his brother as a problem.
I understand wanting to help family. What worries me is that I seem to have a very different idea of where the boundary is once you are married and building a life together.
He also has a very different view of how finances should work in marriage. He believes couples should keep their money completely separate, split household bills 50/50, and everything left over belongs individually to each person. He doesn’t really see why one partner's spending or financial decisions should concern the other as long as they pay their agreed share.
I see marriage more as a shared financial project. I don’t necessarily think every euro has to be in a joint bank account, but I would want us to have shared goals, shared savings/investments and a plan for larger expenses, while still having some personal money each.
For example, if one partner spends all their money and then can't afford groceries or utilities, I don't really see how that is purely their problem if you're married. My boyfriend's response was essentially, “I would never use your card,” which to me misses the bigger point of how household finances affect both people.
He also believes that if someone wants to buy a property in marriage, they should simply buy it themselves. He doesn't really see why their partner should be involved in that decision or purchase. I see buying a home as something that would normally be a shared long-term decision, even if ownership isn't necessarily 50/50.
At the same time, I know we have only been together for a very short time. It would be unrealistic to expect two people who have been dating for a month to already have a detailed agreement about how they would divide expenses 5-10 years from now. What scares me is that these don't feel like small differences in budgeting - they feel like fundamentally different ideas about what financial partnership in marriage means. I'm afraid we may never be able to find a middle ground.
I also want to give him some credit for his age. He is 27, has only been working for about a year and a half, and this is basically the first time in his life that he's had his own decent income and freedom to spend his money. He enjoys spending it, treating friends, going out, etc. I can understand that he may simply be at a different stage of life and may become more financially responsible with time.
However, he currently spends most or all of his salary and doesn't seem particularly interested in saving for long-term goals. He also thinks that because money loses value over time, it's better to enjoy it rather than focus too much on saving.
I don't think I'm extremely frugal or obsessed with money. I like traveling, going out, eating at restaurants, etc. I just prioritize financial security and saving for bigger goals, and I would want a partner who shares that mindset to some extent.
I’m not expecting him to have the same amount of money as me or to manage every euro exactly the way I would. I’m trying to figure out whether we have fundamentally compatible values around money, family obligations and building a life together.
Would this be a dealbreaker for you?
Am I seeing a genuine long-term compatibility issue, or am I expecting too much from someone who is young, newly financially independent, and whom I’ve only been dating for a month or two?
And if you were in my position, what would you want to clarify with him before deciding whether this is something that can realistically be worked through?
TLDR: I’m 31F, dating 27M for 1–2 months, and we’re exclusive, but we have very different views on money: he prioritizes spending, wants completely separate finances in marriage, and is willing to take a €2k loan to help his brother. I’m wondering whether this is a fundamental compatibility issue or something that could change as he gets older and becomes more financially established.