You said that you just started watching the videos. While I think your concerns are absolutely valid, its all very very new to him and unfair to expect an answer from him immediately. I think you should give him some time instead of making any decisions right this very minute. Bring it up again in the near future. Tell him what you’re doing and how it’s made you think about your finances and financial goals. Let him know that you’re not only looking at and considering your own goals, but that your thinking about his future and your future as a couple and how you two will be able to move forward together. He said that he hadn’t given the car question any thought. So now that you have brought it up to him, give him a little bit of time to think about it and ask again later. I would set some boundaries when it comes to the discussion of you two moving in. I personally wouldn’t feel comfortable moving in with someone in his current financial situation. Let him know that his current situation isn’t something you’re comfortable with. It’s HIS responsibility to decide what it is he wants to do knowing what your boundaries are. If he decides to not do anything to change it, then that would speak volumes to his commitment to himself, his future, and the future of the relationship. Maybe he won’t do anything, maybe he will try to change but have difficulties in not knowing how to change. If he’s trying but having difficulties, offer to help him. And I don’t mean offer to help him financially, but offer to help him find a way to change his situation. Give him suggestions, help him do research into his best options. And I don’t mean do the research for him and then tell him what to do, but do the research together to find the best option. You can offer to help him but ultimately it is up to him on what he wants to do. how he handles it will definitely give you more insight on what type of financial journey you could expect to be on with him in the future. It’s very smart of you to be so young and thinking so far into the future. Congratulations on being way ahead of the game compared to many other 20year olds.