Now that they are both fully employed again, a mature couple ought to be discussing marriage. Talk about self-centered.
When my son and dil were married they decided from day one that all of her salary would go into savings and they would live on only his. Best decision they ever made, particularly as they look at other couples their age who are deeply in debt.
It’s not been easy sometimes and my grandson has grown to hate the word “budget”, particularly when he is denied something his friends have. But hopefully he will understand some day and realize that living within your means is an excellent idea.