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When did you combine finances?

I've been dating my girlfriend for 19 months. She has no children, I have two children from a previous marriage.

We've talked about marriage, combining finances. She's worried that when we combine our finances all our money will go to the children (on top of what I have to pay in child support monthly).

At what point did people combine their finances? Are their arguments to be made about being married and having separate checking accounts?

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