Well, okay, I shouldn't be back on the computer at all, so I must make this quick:
1. Thanks everyone, I don't have a chance to respond to all the good points everyone has made, but I am really, really appreciating the input.
2. I think it was eoe who asked, and no we're not married, but been together almost six years (we're both in our junior year of college and in our twenties); all family members seem to basically consider themselves in-laws. Plus I couldn't fit "boyfriend's dad" in my title.
3. The financial thing is REALLY weird, because if it were up to me, Billy would say no to it. But it is really between him and his parents, because it isn't "couple money" at all, it's his school money. So I can't really have say in whether or not he takes it. But in A's view, it effectively gives him a hold over BOTH of us. <sigh> I hate money.
Thanks again to everybody, I always do appreciate the a2k gang when I'm in a quandary! You're all great, I'll be mulling over everyone's comments this evening...