Fel Cactus Fru
Full Member
- Joined
- Jul 23, 2018
- Messages
- 15
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- 25
As a preface my girlfriend and I have been together for about five years now, we survived three years of long distance in undergrad, have a dog together, and have been living together happily for the past year. We are in no rush to get married but live a committed lifestyle in which we are both sure that it'll happen someday down the road. Her family is well-off and she has a 529 that still has about 120k left in it that she didn't spend on her education in undergrad. She isn't planning on pursuing further education and offered to transfer her account to me for medical school since we want to have as little debt as possible and taking on 200k would be a large hurdle down the road. I attended a less prestigious undergraduate university on a full ride scholarship in order to not accumulate debt. I don't want to be making payments for an eternity and my FAFSA offering left so much to be desired at 45k a year with 6+% APR.
The big dilemma is we would be getting married solely for the purpose of being able to transfer her unused 529 funds. We are only 22 years old and aren't quite ready for the title of husband and wife. Not because it would make a difference in our dynamic but because we both still feel like we're kids at heart and aren't ready to be boring married adults. And if we're being honest, we have always been the ones to judge the 'ring by spring' type because we are really confident in our relationship and we aren't motivated by religion and lust in our decision to wed. We would simply have a court date and reap the tax benefits of having a spouse until we were ready to be engaged and have an actual ceremony years down the road. It would be a financial decision more than anything else.
Which is why it feels a tad gross.
We'd be making a huge life decision that we're ultimately not ready for in order to conduct a business transaction. Alternatively, when we marry down the line she'll be taking on my debt that wouldn't exist had we gotten married sooner. Marriage and kids and everything has been something we've been discussing since we were seventeen. We're not afraid of marriage and we know that we want the same things in life. We're just really young still and we don't know what kind of hell medical school is yet on relationships-- but we also know that we made it through undergrad long distance (like 900 miles long distance), and how much more stringent can medical school be?
Do we get married?
The big dilemma is we would be getting married solely for the purpose of being able to transfer her unused 529 funds. We are only 22 years old and aren't quite ready for the title of husband and wife. Not because it would make a difference in our dynamic but because we both still feel like we're kids at heart and aren't ready to be boring married adults. And if we're being honest, we have always been the ones to judge the 'ring by spring' type because we are really confident in our relationship and we aren't motivated by religion and lust in our decision to wed. We would simply have a court date and reap the tax benefits of having a spouse until we were ready to be engaged and have an actual ceremony years down the road. It would be a financial decision more than anything else.
Which is why it feels a tad gross.
We'd be making a huge life decision that we're ultimately not ready for in order to conduct a business transaction. Alternatively, when we marry down the line she'll be taking on my debt that wouldn't exist had we gotten married sooner. Marriage and kids and everything has been something we've been discussing since we were seventeen. We're not afraid of marriage and we know that we want the same things in life. We're just really young still and we don't know what kind of hell medical school is yet on relationships-- but we also know that we made it through undergrad long distance (like 900 miles long distance), and how much more stringent can medical school be?
Do we get married?
