As great of a person as my husband is, his credit score indicates that he does not value paying things back on time or at all-mind you he has a 6 figure income, so there’s not much excuse why his credit is in the shape it is imo.

While I do believe we are in it for the long haul, I cannot risk giving him that money & something going left and him not paying me all the money back or not in the agreed time/amounts because something else came up. I could see the convo going like this “can I pay just $600 this month since the washing machine needs replacing?” with a familiar relationship, he would just expect for me to understand. I don’t want to deal with that.

But yes, for a person who has been responsible with their debtors & credit, this would be a worthwhile suggestion.