I'm on the way up, and she's sinking.
I think you have to meet people where they are when it comes to finances. I assume you knew your girlfriend was broke when you invited her to move in, so whatever she’s contributing now should be your baseline for what you can expect her to contribute going forward, barring some career change. There are plenty of careers that pay well and don’t require a college education, but it doesn’t sound like she has any intention of giving up her current job.
Regardless, if you want to move forward together, you need to be on the same page about what is fair and reasonable, and a good starting place is giving her a sense of what costs are going to be as interest rates rise, and how that affects your expenses and mortgage.
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