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Seeing as how I'm roughly about the same age as you, I'll explain it hopefully better then the older people on here.
Seeing as how her daughter is three and she is a single mom, I mean that just needs to be tough on her. So she's probably thinking in terms of what will be best for my daughter down the road, and that's more than likely why she accepted. Unfortunately, seeing as how she's thinking about the stable income right now, she might not be thinking well what will happen when the moron looses his job or will not want to have anything to do with her daughter and may even start abusing the daughter later on. I mean that dude seems young too from what you're saying and he may end up blaming the daughter if he somehow manages to screw his life over down the road.
But then there is also problem b - and that's you. You're probably thinking what the hell am I talking about. But the fact that you just told her that you love her and want to move in with her, the girl in question may decide that she wants to spend her life with you instead. And at 21(?), that's a LONG time, and you need to understand that if that's what happens you are getting the whole package. Not only will you need to be the boyfriend/husband but you will also need to be the father and caretaker of the family.
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