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Seriously, in life, there are stages and a man that can not afford a house shouldnt think of marriage, i wouldnt advise any lady to accept such proposal. Cos even the bible said it, "a man must leave his father and mother and be joined to his wife, and they will become one" Not join to his wife and go back to his father and mother's house.

Honestly, I think if you aren't living independently, marriage shouldn't even come to your mind

Exactly. Because there are some other issues that will arise, how does the man want to sort that out..

Exactly my point

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