Of course, there are potential benefits to remaining single as well. For example, if the marriage doesn’t last, the financial cost of divorce can be enormous, especially if you’ve entered the marriage with a healthier net worth than your partner. In addition, recipients of spousal support may have a tough time justifying getting remarried, financial speaking. And some of the financial gains achieved only through marriage may not hold true in community property states.

Simply put, living together offers some of the financial gains also available to couples who marry and commit to staying together “for richer or for poorer,” but not all of them.