You don't have to make promises in front of people who aren't going to help when they get broken. I just don't want to go through this again. I'm past child bearing age.

3 Reasons Why Researchers Say Living Together Before Marriage is Risky

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3 Warnings: Living Together Might Not Be Smart

1. Higher Divorce Rate
Perhaps the most compelling and widespread argument against living together before marriage is that several researchers say it increases the risk of breaking up. Virtually all studies of this topic have shown that the chance of divorce is significantly greater for married couples who lived together first. And in 1992, the National Survey of Families and Households found that, in 3,300 families, married couples who had lived together first were judged to be 46 percent more likely to get divorced.

2. Lower Quality of Life
When it comes to living together, more research suggests that the quality of life for unmarried couples is far lower than for married couples. Researchers David Popenoe and Barbara Dafoe Whitehead say cohabiting couples report lower levels of happiness, lower levels of sexual exclusivity and sexual satisfaction, and poorer relationships with their parents. Annual rates of depression are more than three times higher. And, finally, cohabiting women are more likely than married women to suffer physical and sexual abuse.

3. Living Together Doesn't Necessarily Lead to Marriage
After five to seven years, 21 percent of most cohabitating couples are still doing just that -- cohabitating, without getting married. In a new study by Popenoe and Whitehead, one of the top 10 reasons why men said that they are reluctant to get married at all is because they can simply live with a woman -- and enjoy the same benefits.

Dr. Harley: The number of unmarried couples living together has increased dramatically over the past few decades, and I expect that it will continue to increase. The rationale is simple: "By living together before marriage, we'll know how compatible we are." Presumably, if a couple can get along living in the same apartment before marriage, they will be able to get along with each other after marriage.

It's a tempting argument. After all, a date tends to be artificial. Each person is "up" for the occasion, and they make an effort to have a good time together. But marriage is quite different from dating. In marriage, couples are together when they're "down," too. Wouldn't it make sense for a couple to live together for a while, just to see how they react to each other's "down" times? If they discover that they can't adjust when they live together, they don't have to go through the hassle of a divorce. Besides, isn't it easier to adjust when you don't feel trapped by marriage?

The problem with those arguments is that marriage changes everything. If couples that live together think that after marriage everything will be the same, they don't understand what marriage does to a couple, both positively and negatively.

In my experience and in reports I've read, the chances of a divorce after living together are huge, much higher than for couples who have not lived together prior to marriage. If living together were a test of marital compatibility, the statistics should show opposite results -- couples living together should have stronger marriages. But they don't. They have weaker marriages.

To understand why this is the case, I suggest that you consider why couples who live together don't marry. Ask yourself that very question. Why did you choose to live with your boyfriend instead of marrying him?

The answer is that you were not ready to make that commitment to him yet. First, you wanted to see if you still loved him after you cooked meals together, cleaned the apartment together and slept together. In other words, you wanted to see what married life would be like without the commitment of marriage.

But what you don't seem to realize is that you will never know what married life is like unless you're married. The commitment of marriage adds a dimension to your relationship that puts everything on its ear. Right now, you are testing each other to see if you are compatible. If either of you slips up, the test is over, and you are out the door. Marriage doesn't work that way. Slip-ups don't end the marriage, they just end the love you have for each other.

What, exactly, is the commitment of marriage? It is an agreement that you will take care of each other for life, regardless of life's ups and downs. You will stick it out together through thick and thin. But the commitment of living together isn't like that at all. It is simply a month-to-month rental agreement. As long as you behave yourself and keep me happy, I'll stick around.

Habits are hard to break, and couples that live together before marriage get into the habit of following their month-to-month rental agreement. In fact, they often decide to marry, not because they are willing to make a lifetime commitment to each other, but because the arrangement has worked out so well that they can't imagine breaking their lease, so to speak. They say the words of the marital agreement, but they still have the terms of their rental agreement in mind.

Couples who have not lived together before marriage, on the other hand, have not lived under the terms of the month-to-month rental agreement. They begin their relationship assuming that they are in this thing for life, and all their habits usually reflect that commitment.

The Policy of Joint Agreement, for example, doesn't make much sense for a couple living together prior to marriage. "Never do anything without an enthusiastic agreement between you and your friend," it is thought, would not be a fair test of your compatibility. A better test would be for each of you to do whatever you please, and then see if you still get along.

But a newly married couple makes a deliberate effort to accommodate each other, because they know their relationship will be for life. They want to build compatibility, not test it. So the Policy of Joint Agreement makes all the sense in the world to a couple who has set out to live their lives together.

It's true, that a couple who lives together can follow the Policy of Joint Agreement from the day they move in. They can commit themselves to each other's happiness as if they were married. They can overcome Love Busters that could destroy their love for each other. But couples who live together tend not to do those things because their month-to-month rental agreement does not demand it. They lack motivation to put each other first in their lives because they are testing the relationship. They're not sure they want each other for life, and so they are usually not willing to make the all-out commitment that the Policy of Joint Agreement demands.

When a couple has lived together without the Policy of Joint Agreement, it's very difficult to apply it once they are married. What they usually do is stay the course. They figure that their month-to-month agreement got them that far, so why change it.

Marriage has a very positive effect on a relationship for those who have not lived together, because they tend to follow the Policy of Joint Agreement without having ever heard of it. They know that they will be together for life, so they make an effort to create a compatible lifestyle from day one.

I am of mixed feelings on this issue. Unfortunately, the so called "no fault" divorce laws have made marriage commitments almost worthless. Your spouse can commit adultry on a daily basis. She can sleep with 10 different men in a month and it doesn't mean a thing when divorcing. The only consequence might come when child custody is considered, but even then, I have seen children awarded to women who move from one boyfriend's bed to another, several times a year.

On the other had, what is the point of living together, besides sharing expenses? I am not sure. As others have stated there is no evidence that it increases the chances of marital success. And there is evidence that is actually hurts the chances of success.

It seems to me that the best argument for living together is that there are some legal consequences that make marriage highly undesirable. For example, a friend I know lives with her boyfriend because her income will be added to his household income and then used to up his child support payments. As she says "If he should pay more then he should pay more because he is there father and it is his responsibility. My income should not be taken to pay for children who are not mine. If I am going to help support somebody else's children it will be those of my brother".

Thanks Melody. I do see all of those points. I guess where I'm seeing a difference is not in the idea of living together BEFORE marriage, but living together INSTEAD of marriage. Auto raised a few points that articulate this better than I could:

It's true, that a couple who lives together can follow the Policy of Joint Agreement from the day they move in. They can commit themselves to each other's happiness as if they were married. They can overcome Love Busters that could destroy their love for each other. But couples who live together tend not to do those things because their month-to-month rental agreement does not demand it. They lack motivation to put each other first in their lives because they are testing the relationship. They're not sure they want each other for life, and so they are usually not willing to make the all-out commitment that the Policy of Joint Agreement demands.

A book I read recently about wealth-generation said that the absolute best financial advice is to choose wisely when marrying and stay married to the same person.