I am in a de facto relationship. Right now, neither of us make enough money to justify the expense of drafting and signing a Binding Financial Agreement (BFA) with lawyers. It seems that it would be more reasonable to wait until we have started earning a decent amount of money before going through the time and expense of getting a BFA. Is it reasonable or foolish to wait like this? I am a saver and investor. She is a spender. She also earns a lot more than I do. We both agree that we don't want "money to be a factor in our relationship". We always combine equally on all joint purchases, and then we do what we like with the money that we earn. We will not have children. Am I *risking anything by not getting a BFA now, but waiting to get one later when we both have more wealth?