For one if you have to ask you clearly shouldn't be doing it. Two I agree I would want to live with her first as well. People can be different when you live with them and you don't know what you are really getting into until you live with someone. I lived with my husband for 3 years before we got married (This July) and we have been together for 6 years when we got married. I don't think that age matters if you do really love one another and know the decision is for you, but if that was the case you would know and would not need to ask. I am guessing the religion aspect is on her end? Is she very religious or would she consider a non religious ceremony? I know people here are saying it doesn't matter with the religion thing but if she is religious it could be something that is extremely important to her when she considers where she is going to get married and what type of ceremony she wants and it may also be important to her family and it is a big deal to us females. I went non traditional/religious b/c of our background and our families not pushing anything on either of us, it was on the beach and nondenominational. If you can go that route and keep it out of your marriage would you consider marriage? If not then you need to tell her these kinds of things now as it could affect your relationship if you never want to get married and she does you guys will fight over it and I would clear it up now then waste anymore time trying to figure it out. I would just approach her and have a conversation (a nice one) and let her get everything out and you need to get everything out and if you are not ready then your not ready, don't do it.