Hello, I am Male 31years old and my girlfriend female 28 years old. We have been In relationship for 6 years and we both live at home with our families.We both work, I work full time 68hours a week(roughly $4000 monthly) and my girlfriend works full time 40 hours a week(roughly $2200 monthly) I have been saving money over the last 3-4 years and am ready to move out next year but my girlfriend has not saved any money.. we have had countless talks about her finances and her spending/budgeting habits over the years because she does not save money and she also takes out two personal loans every pay period and has been for years claiming that it gives extra money to do what she needs to do..(get her nails done, eat out, get her done ect ..) but somehow her bank account is always empty going into the next pay period.. But it always turns into an argument. I tell her that I would like her to start saving money so that we can can move out together and start our own family eventually. She always tells me that she has a lot of bills and that she doesn't have any money to save but I know her bills can't be sucking her entire pay check dry.. (She pays her mom $200-300 for rent, $500 or so for car and insurance and other tidbit payments ie subscriptions). I always offer to help her calculate here income and bills and figure how much she can afford to save, but she always says its her money and I can't tell her what to do with it, I tell her that we are in a long term relationship and that by her not saving it hurts us both and i let her know that we intend to stay with each other long term so her finances should be open to discussion but still it she sticks to her "it's my money claim". But after the arguement shell come around say something like " you know your right, I should start saving and I will.. maybe I'll start putting like $100 a month into my savings" but I'll tell her thats only $1200 a year and that she would need to put more away but she'll tell me that at least it's a start. And I will acknowledge that and say yes it's a start and maybe you'll start putting more away as the year passes (me compromising) and she agrees but another year passes her saving account nearly empty and she living paycheck to paycheck and were right back having the same conversation and arguement with the same conclusion… I just don't know what to do anymore…
Side note: She recently (3 months ago) got demoted to working part time but some weeks give her full time hours despite being part time so her paychecks have been wildly inconsistent but she still refuses to budget herself.. some paychecks being nearly half of what she was making full time.. but like I said I don't know what to do anymore..
TL;DR what should I do my girlfriend of 6 years won't save money so we can move out and start a life together.