As a man who has been in this very situation:
A person who is comfortable lying to you now, when they could both get busted AND lose you, will be far, far more comfortable lying to you once "losing you" is less of a risk because you will be hesitant to go through the difficulties of divorce once your assets are tied up.
- a person who lies about something as critical as finances
- who is an adult but relying on a parent to care for them financially
- who always seems to be running into financial difficulties, especially with credit cards
- enough so that you get this story about his mom's card (how do you know that's not another lie?)
I listened to the excuses and the lies, accepted the "reasons" not because I didn't feel the twinge of fear underneath, but because I was afraid to be alone.
I gained the most wonderful son out of the union, a child I would not trade. But make no mistake, please listen to me:
- the lies continued
- the financial subterfuge and overextensions continued
- the lies increased
- the financial nonsense increased until I had to take forcible charge as much as I could with another adult; on top of this I still deal with more lies, more financial nonsense, a few times to the point where I feared losing our home
Listen:
You CANNOT now, nor will you ever be able to control a person who doesn't want to be an adult about their financial responsibilities. They will agree and agree and agree -- and then do what they wish, and lie about it afterward, whether TO you, or ABOUT you.
You CANNOT now, nor will you ever be able to trust a person who willingly lies to you, no matter how recalcitrant they may pretend to be afterward, no matter the reassurances. This will NEVER change.
This person wants to get married as soon as possible because in their mind marriage will be "the big, magical change," and they believe on some level they will transform, become the person they would like to be. They believe they will change, become responsible, become respectable, become a better person -- all because they got married. That is NOT how people change.
You can end it now and deal with the loneliness you'll feel for a while (and you might, I don't know you, can't tell what kind of person you are), and also wonder whether you did the right thing, perhaps fear or regret it sometimes when the loneliness is at its worst.
Or you can be ten years into this and quietly wondering how your life got away from you, why you didn't listen to some stranger on the internet a decade ago.
It's a gamble either way. Err on the side of caution. You already know what you should do, you're just afraid to do it. There's no shame in that, but there is shame and regret in not making the wise decision you know you should make, now, when there's time to still make it, not later when you have to unmake it.