Financial Situation - Sarah has approximately $45,000 in savings, around $8,000 in checking, and has consistently contributed to a 401(k) at every job, while her boyfriend has only $8,000 to $10,000 saved for retirement after years of financial instability [2][5] - The couple has separate finances, with Sarah covering groceries and her boyfriend paying utilities, highlighting a lack of financial integration [5][6] Relationship Dynamics - The relationship has been sexless for nearly nine years, and attempts to open it up did not lead to improvement, indicating deeper issues beyond financial disagreements [3] - Money has been a recurring source of conflict, with arguments about finances persisting without resulting in meaningful change [2][4] External Financial Pressures - Sarah's boyfriend's mother took out a reverse mortgage eight years ago, withdrawing about $500,000 for medical care, which has created additional financial obligations for the boyfriend despite his limited retirement savings [4] - The contrast between Sarah's financial stability and her boyfriend's unresolved financial issues raises concerns about the sustainability of their relationship [6]