You can get married, but if you really want to to make a commitment to one another, take on a mortgage.
That’s because a mortgage is a commitment that survives, even if both of you don’t. Sounds a bit morbid but couples need to consider what happens should one of you die. If this were to happen, the surviving spouse would still be responsible for paying the mortgage. Yet, most couples base their mortgage payments on two incomes—and this can create a real problem should only one of you survive to pay the bills.
To help mitigate the risks of too many bills and not enough money, consider life insurance. To help you sift through the options, Bruce Sellery offers some insight.