I am a cautious sort. My partner and I moved in together after 18 months: I did not give up my own apartment. (In fairness, it became my work studio.) We got engaged: kept the apartment. We got married: kept the apartment FOR A YEAR LONGER.

All of this is to say: why the rush? Moving in together to save money is a terrible reason, especially when you both can afford your own spaces. The fact that you took to reddit to ask the question says that you know it's not the wisest choice.

Bide your time. Get to know him. And whatever you do, always maintain credit in your own name.

Totally understandable. Guess the trick will be to tell him exactly that, without him getting his feelings hurt. Guys can be touchy that way.

Well that depends- are you happy to see it each and every time? Or would you rather it be more of an occasional peekaboo surprise?