There are some of us who won't live together until married....so It is definitely OK not to live with a SO. If you are TRULY connected it won't matter if you live together or not.
I am going to make an older person's comment about the financial issue though.....just living rent free so one has extra money to pay off bills without totally changing spending habits is not a good idea. I hope with the new found desire for financial responsibility has come new spending habits of not spending more money than monthly available & not use credit cards other than possibly for monthly expenses there is money to cover.
There are times when independence needs to be put on the back burner while trying to become financially responsible... sometimes a price that has to be paid as long as REAL changes are being made in one's financial responsibility actions.