You have a very very wise and sensible policy that, if you stick to it, should protect you from meny major problems in life.
Be very cautious about your boyfriend's really bad habits of running into large debts he cant afford to pay off, and if his family is also deep in debt, this suggests its what he expects of life. DO not let him ( much less them ) use your carefully made savings to pay off their foollishly acquired debts.
If he expects to continue buying stuff ( much of which, I'd bet, he really doesn't need ) on credit, this problem will never stop.
As he owes so much money, how is he ever going to afford to pay any share of the household expenses if you move in together ?
It is not at all selfish of you not to want to pour your savings down the drain he has created. A little heart break on his side may be very good for him, to face the fact that he needs to wipe out his debts and stop creating new ones, before he can offer any woman he genuinely cares about, anything more than a life to be spent struggling to pay off his growing debts.
Paying his debts will just lock him into continuing his bad habits, and there's not good reason for the great hurry to move in together. Unless he wants a new address, perhaps, to evade his debtors ?
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