If the bf is not willing to marry her she is smart to have her own income in case he gets tired of her or she of him.
It's just as possible that she is not willing to marry him.
Some folks (both women and men) completely embrace the "SAHG" mentality. And what I mean is many of the folks interested in this lifestyle seek to completely avoid working either in-the-home or for employers. For the near-term, they don't want to take care of children and they might not even do housework. The core of their behavior is desire to avoid any formal long term commitment but still live & sleep with someone else who pays all the bills. For folks who float from partner to partner doing this, the hilariously descriptive term I've seen applied to it is "hobosexual."
Someone I know well had a hobosexual move in with her a few years after her divorce. He was happy to bring his teenage son and live in her house as her boyfriend, but there were all kinds of reasons why he wasn't ever trying to find a job. His excuse was that he was busy "taking care of her yard," but she only had a 0.25 acre yard, so not exactly full-time work. As far as I could see he just floated from lady to lady doing this as long as he could in each place until either they kicked him out or he grew tired of them. He was charming and I really liked him, and my friend was clearly smitten, so I hoped for my friend that I was wrong about him and his motivations (but I wasn't.)
Then I witnessed another young lady who was clearly intentionally doing it. Never working, living with each boyfriend until he kicked her out, and then she would make excuses about how mean he was and urgently find another guy who would let her move in. She had no interest in marriage or having kids. Rinse and repeat. Each relationship seemed to last a little less than 2 years.
It has become socially acceptable to "live together" in many Western cultures, so this philosophy is gaining traction and people can talk openly about doing it. If you don't have children or elderly or disabled relatives to care for, exactly how much time does it take each day to take care of the basic tasks for a household of 2 adults? Not much. I mean many people manage to do it while working full time. So a couple hours a day, tops, even if you are cooking from scratch? I cook from scratch: it's pretty quick and easy if you are skilled. And don't kid yourself: many of the modern SAHG's are ordering ubereats regularly.
100% this. I have seen sooooo many hobosexual men in my time, it's actually WAY more common than people realize.
Ugh, the hobosexuals. Yep. I had a couple of those in my early twenties and then spent a ton of time trying to avoid them. Then when I started teaching university, I saw sooooooooo many great, intelligent young women get serious boyfriends who were just… lazy unmotivated gamers looking for a live-in maid to have sex with and pay the majority of the bills and rent. It was so depressing.
Couples research suggests that people of similar emotional maturity/health tend to attract each other. So you tend to end up with someone who complements your level of emotional maturity/immaturity/health. It makes you wonder what these intelligent young women learned early in their lives or what emotional damage they sustained to make them believe that this kind of behavior was all they could expect or deserve from a boyfriend/partner/spouse.
In my experience, it's actually emotionality mature women who end up with hobosexuals.
There are two types. The first is essentially a gigolo, the arrangement is clear, they are companionship for housing. These dudes are often older and appeal to older single women who DO NOT want husbands. This breed of hobosexual is often a lot more fit than men his age, will often pick up landscaping or equivalent seasonal work when he needs pocket money. He's often exceedingly charming, but may have a personality disorder or something else that makes him not very suitable for real, long term connection, but for awhile he's very emotionally generous and typically great at sex. This kind of arrangement is transactional, room and board for fun, companionship, and sex. Usual duration is months to a year. No feelings are hurt.
The other kind is opportunistic. Also VERY charming,.sometimes VERY handsome and usually used to have a really respectable career. He seems like an amazing catch and it never occurs to his victim that he isn't actually motivated to get his career back on track. Friends and family adore him and think he's a great catch at first. By the time reality sinks in that his career is not actually getting back on track, she's pretty committed to him and has planned a future with him and willing to give him every benefit of the doubt, and woman are conditioned to support men, so she just can't accept that he's actually not motivated to fix anything, that just doesn't seem possible.
He might start making noises about applying to law school at 46 and even buy himself a full year of "studying for the LSATs." He may even get a job interview or a job here and there, but they often won't work out, never his fault. He also makes very appropriate noises about feeling so much shame about not providing and gets the woman to reassure him constantly of his value as a man and partner despite him not working. Eventually he might start "writing a novel." I circulate among very successful woman and there are more than a few handsome, charming "novelists" who used to have jobs among their men.
It can take a shockingly loooong time for all of the "bad luck" to "this dude was okay being a leech the whole time!"
A lot of very mature, intelligent people can end up eyeballs deep in horrible relationships without even realizing they're being sucked into it.