Not only finance-related, but general-life-related.
My brother is 21; I'm 32. He is... very young. Like, 16-going-on-21.
Last weekend, he starts going on a rant about how 'marriage is useless, I don't believe in marriage, I guess it might help people stay together but seriously there are zero advantages'.
Mind: he's not married. His longest relationship is 3 months. None of his friends are married (at his age, normal, totally not a dig, but... maybe admit that what you're talking about is outside your sphere of experience?)
So, in good faith, I try to explain that there are concrete reasons to get married. My friend got married because that's what let her register as next-of-kin for her husband's army service (would YOU want your partner off in Afganistan and no way of knowing if they're ok?) and got her moving expenses from one of her husband's postings to the next covered (otherwise, she was on her own to ship herself and her belongings across the country to follow him). My husband and I got married... partially for social recognition, but honestly mostly because getting married gave significant tax advantages for property transfers we needed to do before building our house (saved us about 3k in taxes), and also set in place a legal structure with regards to the finances that we were combining... basically, so that if we DID split up after shifting property around and having kids and taking time off work and functionally dumping all our financial eggs in each other's baskets, there'd be a fair way to re-distribute property and belongings (and we looked into what the law was in our province so we could get a pre-nup spelling out a different intent if we disagreed, but we were both ok with the laws in place). Also because if anything happened to me, I wanted him to automatically have the legal right to make medical decisions for me, and not my parents, since he's more likely to make the decisions I'd want made. Basically just trying to point out that marriage is not An Institution, it's a legal construct has significant potential benefits AND drawbacks, both legally and financially, and you should be aware of what they are before saying you 'don't believe in it'. And also, frankly, once you have a mortgage and kids, it's already complicated enough to split up that if it's bad enough to do it, being married vs not wouldn't stop me.
He just got really pissy and was like 'no, none of that is true, it's just because people want social bs, you're not listening to my argument'.
And I'm like. Kid. I'm listening. I JUST THINK YOU'RE STILL WRONG.
And hopefully you'll start bloody listening to me BEFORE getting chomped in the tush by your failure to look at the benefits/drawbacks of this particular situation. AKA: if you decide to get married, do it knowing what the legal implications of the paper you're signing are. And if you decide you don't want to, PLEASE, for the love of god, put in place airtight documentations outlining who your medical power of attorney should be if it's not our parents, outline a rental agreement before moving in with a girlfriend, DO NOT combine finances or have a joint bank account with ANYONE if you're not prepared to lose what's in it, etc.
It's easy to say 'I don't believe in the institution'. But the institution is a legal construct. It exists. It might be wise to figure out the benefits and drawbacks.