@christopherdombrowski This is my opinion, of course, but I think it is perfectly reasonable and smart to wait because of money.
That is one reason why we are waiting until September because we'll have hit our savings goal by then.
I have my direct deposit split so that a portion goes into a completely separate money market account and the other into our joint account. I've been slowly increasing how much is going into the Money Market account. My goal is to basically have 100% of my income go into the Money Market account before I need to leave work for baby reasons. I'm about 40% there, so we have a ways to go, but by going slowly it hasn't been a huge shock. I feel like that was important for us to be successful. Then we'll have a nest of money
and be used to the reduced income before baby arrives.
Getting married and buying a house are two big expenses, you
will have money some day, but it will take planning and discipline.
We didn't even consider trying until my spreadsheet showed me that we could save money still on only one income. No, it's not a lot of money and frankly, it's more of a buffer (it's like $300) but that is why we are doing such a rigorous savings plan.
I hope that helps you in some way!