I didn't want to tell her

but he'll probably never marry her--not if "we've been together 4 or 5 years." Living together, especially for reasons of money, is never a foundation for a solid marriage. Christmas holidays with his or her families are especially awkward.

Interestingly enough, money is the reason she gave for not having a wedding. Wonder why if 4 years of saving $500/month isn't enough for a nice wedding. As I figure it, that could be a $15,000 wedding with a lot left over for a down payhment on a house. But if that's what she wants to believe. . .