Well, I do want to live with him and not have to worry about when I'll see him next (we don't live in the same city). Marriage is important so we'll both be more comfortable co-habitating and I want to officially be part of his family especially since I don't have much of one myself. And then there's the practical sharing of insurance and benefits if we were to get married. I understand marriage status isn't so important to other people, but it is to me for sure.

And of course we would wait for more money to have kids. I may be female, but my desire to have children doesn't override logic.