Seeing the damage that divorce does, to children and all, seing the financial side of it where peoples future plans are set back or ruined (historically mainly men) by having to sell everything to pay half to their spouse, quite frankly, whats the point of marriage in this modern day world where most men AND women work?
Why not just stay together and have kids. If you ever want to break up just break up and go your seperate ways, rather than having to sell houses/businesses/possesions, make it even more traumatic on the kids?
Ive just never quite understood this pooling of everything together money wise. Why not just keep finances seperate?
You will have all the same problems with or without a marriage certificate. As soon as you live together, you have common-law status in most countries.
And with good reason. If you and a woman have a 10-year relationship, and, as you indicated, you both work... who gets the house and the furniture and all the stuff if you break up? If you paid the mortgage while she paid for the utilities and food, then she has still built up some equity in the home by paying for those other life expenses (that you consumed).
Even two buddies living as roommates -- who have separate TVs, beds, clothes, etc -- might still split the cost of shared appliances like a microwave, a vacuum cleaner, etc. So if they both move out to separate lives, who gets what? Even that duo might have a dispute over it, let alone people in a long, emotional relationship.
And having separate expenses in a shared life will cost you both more; any financial expert will say so. But even so, you cannot have everything separate. All of these problems would happen after a long co-habitation, whether there is a marriage certificate or not.
And that's without
kids. If you end up with kids, there's no way you can just walk away from each other as though your relationship never happened. You will in a way be stuck with each other as long as that child is a dependant. You both are financially responsible for the minor child(ren).