No I'm not. I'm honestly trying to look at all sides. My parents have no issue with it whatsoever, we're pretty sure his parents will be chill but would never do it if they are not. I'm just really fence sitting on this and wanted other perspectives as I feel the posters on the Catholic site are being slightly over the top.
Believe me, I would jump for joy if he would propose right now. We have talked about it and he feels it would be irresponsible to propose until he has a stable job (which he has had a hard time finding as he is a social studies teacher.) I can fully respect that. I still wish he would propose, but I do understand his reasoning and can't fault him for being practical. If his issue is paying for a wedding, well, you can seriously "tone down" a wedding celebration to be able to be financially feasible.[/B]
He does not want to stay in his parents house (he wants to be on his own) and has stated that it would be much easier financially if he had a roommate but that I am the only one he would ever want to room with. I can honestly see both sides of the issue and wonder what others think.
Those who did cohabitate before marriage, would you do it again? Do you think it impacted your marriage at all?
But why would it be more practical to live together? From a financial standpoint, the same thing would happen, married or not. You would still be 2 people living in your home with you bearing the responsibility of said home because it is in your name. Married or not, you'll have the same bills and one of you...namely you...is going to be paying them if the other is unable to for financial reasons. The only possible "financial" argument for living together is if you would be OK with supporting him in the event that he doesn't find a job right away, because, in essence, that is what you will be doing. My opinion, and my opinion only, is that I would not be setting myself up to support a guy who doesn't want to marry me yet but wants to try and take some advantage of MY good planning and foresight. If he marries you, you have some legal protection in the event that things don't go your way. If he lives with you, you don't have those protections. You sound pretty together...you're fairly young, own a house and so forth. Kind of an atypical 24 year old in that respect.
My other advice would be that there may never be a "perfect" time to get married. DH & I married in 1991. He was a realtor, I was a nurse. At that time, real estate was in a downturn...not quite as bad as today, but pretty darn close!

DH didn't make a ton of money...actually, the first year we were married he made about $7000! We still got married. DH knew I wouldn't live with him, so we got married. We there "tight" times? Sure, but we were in it together and I was in it with a man who I
knew wanted to be committed to me. He loved me, he wanted to be with me, he was willing to take the leap. We'll be married 18 years this year, all of them happy, even with the heartaches of life like loss of his parents, infertility and some health issues which we have dealt with. And yes, people can, and do get divorced, but then marriage protects you from a legal standpoint as well, moreso that a living together arrangement does.
If his financial issue is paying for a wedding, well, you can seriously "tone down" a wedding celebration to be able to be financially feasible.
So I think you need to really soul search with regard to what is the real issue. I think the real issue is that he's not ready to make a full commitment to marriage. There's not a thing wrong with that, but I think you both need to get it out there on the table as the real issue and stop trying to convince yourselves and everyone around you that it is for financial reasons. This living together arrangement is financially beneficial to him, perhaps, but your side of the equation doesn't change...whether you're married or living together, YOU own the house, YOU pay the bills, YOU bear the responsibility. His side of the equation changes dramatically...HE gets to move into a house that HE has no real responsibility for to live with a woman that HE isn't ready to marry, from whom he can walka way without any real repercussions should he decide that this is no longer working "financially" for him. Looking at it from that perspective...he gets all the benefits and none of the responsibilities of being married.
As far as intimacy...you don't need to live together to be intimate. I do think living together puts it a bit more to the forefront because you're always "right there", so it would make it more difficult to abstain.
My guess is he doesn't feel "ready" to make a commitment to marriage, but feels that living together will give him the ability to "try things out"...not from an intimate standpoint necessarily, but from a "can we live with each other on a day to day basis" standpoint.
My opinion: I don't think living together would add anything to your relationship & would probably ultimately end it because he's not ready.