I am a little off much of the other posters on this… I think discernment is a big factor of the situations involved. Some people mentioned skipping a fancy wedding and posted prices like “under 5k” but I have known people who scrounging up 1k would be difficult. When we talk of 2 selerate living quarters we are talking about throwing away between 500+$ a month depending on location modest accommodation could be near $1000+. Especially for those who fall into the “doesn’t qualify for help but can’t afford to live” category.
Now here we have the OP stated as a “couple” that is vague in that a couple of 3 months or 2 yrs near marriage? I dare the great anti cohabitators to “live like their significant other doesn’t exist” and watch them go homeless. Or rack up debts that will destroy their future together etc…
The exact scenarios though guide this in the sense of discernment like can they live at home but choose not to, can they afford to live seperate or risk losing everything etc. How close to marriage? And how much temptation? Can they do this truly without fear of commiting sin? Or is that a concern? If you are talking 3 months bf/gf then the odds of even worse financial issues upon a breakup could be serious, whereas 2 yr and on track the odds of breakup are likely not there. I would in the truest sense lean toward not cohabitation, but here is the crux:
If you are looking at a 10K wedding and sweet cable packeges and cellphones fancy cars… you are just irresponsible and don’t need to cohabitate at all.
If you are living a virtual monks life of poverty and are looking at barely scrounging up the marriage license fees and church fee… well then maybe not watching a loved one go homeless is a good thing
It is also interesting, as a Christtian it would be virtuous to take in a poor stranger into your home but if your love is homeless you are to hope someone else takes them in… pffft