[disneysteve]

Originally Posted by Big G

We haven't really talked about finances yet

You are already getting great financial advice, so I'm going to go in a different direction and address this comment.

The number one thing couples fight about and ultimately one of the top reasons for divorce is finances. If you are engaged to be married and have not yet discussed finances, you need to do it NOW.

It sounds like you are living below your means and saving for your future. You want to marry someone who shares those values and practices. Scan these boards and you'll see how many threads there are from one spouse complaining about the spending habits of the other spouse. Better to get all those issues out in the open now and decide together how you will handle everything once you get married (or even before you get married).

My wife and I combined all of our finances shortly after we got engaged - converted everything to joint accounts and started looking at all of our income and savings as one big pool of money to be managed together.

I think this is one aspect of a relationship that far too many people ignore until it is too late and they find themselves constantly battling with their spouse over money. Make sure you are both on the same page about your spending habits, your saving habits and your hopes and goals for the future. You are in this together for the long term and need to work as a team.