Sure, you probably already know how much your S.O. is making and if they "have so many loans lol," but once you move in together, finances become a much bigger part of the conversation. Not only are you now handling your rent or mortgage together, but you're also contributing to your household in all kinds of ways — groceries, utilities, cable, etc. Also, after I lost my job last year, I suddenly had to be very open with my boyfriend about how many months rent I had saved, if I needed him to chip in in little ways until I got back on my feet, and that I was applying for unemployment while I job hunted. Talk it all out so that neither of you is taking on more than you can handle.