I'm glad to say that no-one has yet asked a question that we haven't already discussed thoroughly as a couple.
Hermione I don't think you've put a downer on things, I think your question is very sensible.
The actual maths is that I sold my small house which I owned outright, I could have rented it out but decided to buy somewhere with STBDH in the near future.
We live in the South so the money we both have (or had) in property is a good amount.
Purely by coincidence we have about the same amount of money, mine is now invested until we buy the larger house together and his is currently the equity on the house we are living in.
I have about £40k in savings, he has about £5k.
I work in the public sector so have a good pension, whereas he also has built up a good pension fund but works in the private sector.
He earns a lot more than I do, I would say that over the next 5 years there are big promotions on the cards for both of us but I will never earn anywhere near his salary.
So my savings and his larger salary go some way to offsetting each other.
We have a comfortable lifestyle and yes, if it all went horribly wrong I could still afford to live to a reasonable standard.
I could go on about life assurance, potential inheritance and things but I won't bore you, needless to say we have discussed it all at length and will write wills when we are married to ensure our children inherit fairly.
To everyone saying that a year is too soon; in my OP I was intentionally vague as I wouldn't want STBDH to stumble across this thread without having discussed my thoughts with him first though I've never known him to venture onto MN. We have known each other over a year, we already live together and we will have been together for 2 years when we marry.
If our children had been younger I would have taken things much more slowly but the DCs were one of the driving forces behind us moving in together. They are all genuinely very happy for us.
Imperial He has a close circle of 5 friends, I like them and I get on with all of them and all but one are good men. I say all but one because one of them is clearly having problems with his own marriage but it's not at breaking point yet. That one is a dreamer and he has a history of being 'troubled'. Whilst that friend doesn't disapprove of me he did caution STBDH against marriage generally. STBDH and I discussed this and we think that the conversation was very much a projection of the friends' own feelings. Both STBDH and I can see that the 'troubled' friend may have an affair in the near future, STBDH disapproves of this prospect vehemently.
Some of his friends I feel a real affinity with, others less so but I think it would be unreasonable to expect that I would automatically become best friends with his best friends.
We both have awful mothers, mine is a classic Stately Homes style narcissist whereas his is constantly horrible to him, putting him down, contradicting him, undermining him and comparing him unfavourably to his brother. His mother is nice to me but I find it very difficult to bite my lip while STBDH is treated so badly. We have agreed to stay in a B&B next time we visit them so we can both have some down time to get away from the nagging.
He divorced because his wife left him and had an affair, the details of whether the OM or her leaving happened first are hazy. The relationship with OM fizzled out quickly and she is with someone else now. Relations with STBDH are civil but they rarely have contact now their DCs are older.
STBDH's DCs are lovely, all four of our children, two mine and two his are different but happy with the situation. As an example; independently of us they planned to have a second Christmas Day with all of us together because they get on so well. Our two youngest go out on day trips together again, independently of us.
In the near future we plan to live in a large detached house, which we can easily afford see financial information above
Eventually we plan to retire to the countryside near where I was born.
Our eldest two DCs are completely financially independent and the youngest two are both at Uni and we contribute to them individually.
All four of our children are very different and have different needs but we try to be financially fair to all of them.
Phew, that was long.
I hope that has answered everything?
Thank you so much to the posters wishing us well, we are very much in love.
Runningissimple I remember being where you are. I thought I was old hah and would never meet anyone else again.
I met other unsuitable men along the way but I think I've got lucky this time. Here's hoping.