I’m a 59 y/o female with same guy for 4 years and he is almost 65 y/o. We love each other but completely disconnect on financial matters. He talks about living together all the time and I’d love to, except he has no assets, owes thousands on credit cards (which he pays a little but needs a lot more to pay off) while I work hard, earn a good living and have assets.

I worry all the time about his finances because it will affect me if we live together. I’ve told him we can’t have a future without him getting his cards paid down but he wants to move in and give me his paycheck and let me decide how to allocate the money, which I don’ t want. I don’t need a rich guy but I really need a financially settled guy who doesn’t spend more than he earns! I am almost ready to break up with him but know that there aren’t many “good” guys out there. Any advice?