http://www.npr.org/2016/04/17/473498335/for-couples-skipping-the-ring-it-pays-to-plot-out-finances
Regardless of whether you move in together planning on a long term relationship, you have entered into a financial partnership. You and your partner may have figured out how to pay the rent and even the groceries — pro rata according to each of your earnings or perhaps you rely on the latest app to keep track of who has paid for what. Whatever the method, should you decide to part ways, or should you decide to purchase a significant asset together, your finances can become intricately entangled. Separating them out, or planning how to share in a manner that works for both, takes thoughtful negotiation and decision-making. The author of the article quotes Diana Adams, a matrimonial attorney, as recommending seeking out “the support of a compassionate professional such as a family mediator or lawyer to help broker that conversation” if it is too tough without a facilitator. We couldn’t agree more: in many instances, couples contemplating living together come to mediation to plan their shared financial future – rights and obligations.