Background info: Been dating for 5 years, living together in rented accommodation and engaged. Partner is buying a house. What would you think if you got this email from step fil?
Email: The two of you have the potential to do well in the future and I hope that you have luck on your side and things work out. It isn't always the case so permit me to be a little pessimistic regarding the future. When you take on a mortgage or other long term commitments you can't know how things will turn out years down the road so you both need to plan for contingencies just in case. Don't forget Mum and I have both difficulties in the past and all the subsequent mess of family and finances to sort out and we wouldn't wish it on anyone. I would ask you both to take advice and look at the legal and ethical implications now to ensure that if things go wrong in future for whatever reason, that you both do, not just what is legally right, but what is fair and equitable according to your moral compass. Talk about the realities without the rose coloured glasses and the chances of a long and happy relationship will be much improved. I write this, not as an old curmudgeon, but as a Dad who wants you both to have the best lives you can.