Age: 44 Partner's age: 42 Annual gross income from employment or profession: €48k. Private Sector Annual gross income of spouse: Ordinarily €45k - Public Sector (But currently part time so ~€32K) Monthly take-home pay: Me ~€3k Partner: €2.8k but currently ~€1.9k In general are you: (a) spending more than you earn, or (b) saving? Saving a small amount into credit union for rainy days We are overpaying mortgage by €20 per week (Paid off in full in 10-11 years) No assets or investments at all unfortunately. Rough estimate of value of home: €300k Amount outstanding on your mortgage: €60k. What interest rate are you paying? 3.3% Fixed for next 10 yrs. Other borrowings – car loans/personal loans etc: None. Do you pay off your full credit card balance each month? Yes. If not, what is the balance on your credit card? Savings and investments: €3k credit union (This fund gets raided when the washing machine breaks/car purchase required/holidays etc) Do you have a pension scheme? Yes - Me paying 200 monthly into a private pension. Partner pays 100 + 100 contribution a month into hers. Do you own any investment or other property? No Ages of children: 11, 8, 5 Life insurance: Whatever is on Mortgage only. Heath Insurance: No - Last company covered the 5 of us but currently out of cover. Not entirely comfortable here but going on argument that as we've no childrens hospital they'll get the same care publicly etc. What specific question do you have or what issues are of concern to you? We're not married - Just never quite got around to it yet due to life, career, house purchasing and baby arrivals taking precedence. We’re both not really pushed about a big fancy wedding now at this stage in our lives but also not really sure what the actual degree of tax relief we are missing out on? ie are we nuts not to just go to the registry office and sign a form or whatever? Occasionally I worry about my lack of protection if the relationship did [hypothetically] go south – Am I carrying a stupidly unnecessary risk burden regarding my rights to my home and access to my children if say in 5 years time things went sour? I don’t mean to sound dramatic here but reading through Ask About Money and other similar sites gives you plenty of opportunity to see that sometimes couples part and then the results can be bleak. I think I’d prefer to marry and split with a fighting chance than to be summarily spat out the side of a legal process due to having a very poor standing in the eye of the laws of Ireland as an unmarried father with much the same rights to the house and children as the family dog?!? Does this make sense? Not suggesting this is necessarily the way it will go - But I've come across enough separated couples in my life to know that I should at least fully know and assess the risks and factors involved. Thanks in advance for your help.