Umm it's two of yall, you have one set of bills, two incomes and pay less in taxes. If you don't set yourself up to win in that situation, you're doing something wrong.
You are totally ignoring so many other variables..Life just isn't simple and clean like that..You have children, daycare, in laws, higher insurance and numerous other things that don't fit into that tiny box..
What if you get married and one of you loses an income do to downsizing or layoffs and you are forced to support two adults on one income in a shrinking economy? What if you still have to help her/him pay their student loans while they look for work so it doesn't effect BOTH of your credit scores?
What if you both have good jobs, but she gets pregnant and God forbid its a special needs child with astronomical healthcare and childcare costs? Or what if you just get blessed with healthy twins or triplets?
Or you can be like me and get married to a girl from New Orleans 2 weeks before Katrina hits and you find yourself with 20 extended family members in your new small 2 bedroom home...
These are the type of things that nobody that's single has to worry about.. I think a lot of young people (especially educated ones) fall into that Jay-Z/Beyonce fantasy where you get your bread, stack it on top of her bread and build this successful Black kingdome of working professionals...Naw breh.. Married life STAYS throwing you curve balls..The only expectation you should have is that yall will always have each other's backs..