I'm poly and live with my husband and boyfriend. We make $155,000 combined and can finally buy a house.

I'm a millennial, which means I, like so many in my generation, have had a rough time financially. I'm facing student loans, high inflation, and stagnant wages.

The cost of living is high, and unfortunately I'm not a trust-fund kid with wealthy relatives.

While other people my age may be sacrificing dreams of homeownership, children, and a career they love, one trick up my sleeve has helped me more than anything: polyamory.

My husband, Daniel, and I agreed to try polyamory in December 2015.

We'd married in 2008 and had two children by 2013.

For the first few years we tended to date other people who were also in primary relationships with other people.

(Jared Soares for BI)

We didn't think we'd live with future partners.

The five of us became very close-knit, like a family. We're what's called a "vee" in the polyamory world. I date both men separately, and they don't date each other.

At the beginning of 2020, after much planning and discussion, we decided to all rent a house and move in together. Finances were a big reason.

Early this year I made around $70,000 a year.

But this summer I quit my full-time writing job and started working part time as an editor so I could work on a book about polyamory and Christianity while taking on more freelance work.

Now my salary is inconsistent and much lower: closer to $25,000 a year, give or take.

Daniel, a teacher at a private school, makes about $55,000 and carries health insurance for me, the kids, and himself.

This job is recent, and it enabled me to follow my freelancer dreams and write my book.

Meanwhile, Ty takes home about $75,000 as a local banking corporation's process manager.

(Jared Soares for BI)

In much of the US, children can have only two legal guardians — we want to make sure that if Daniel and I die, Ty can continue parenting our children.

Additionally, Ty wants to make sure the kids or I would inherit his assets if he were to die.

Since he's not their legal guardian and I'm not his legal spouse, shared finances over a long period would help in court.

We split the rent — $1,537 a month — with Ty. Daniel and I pay $837, while Ty pays $700.

Daniel and I cover the cellphone bill — we're all on the same one — and the groceries, while Ty pays for utilities and WiFi.

As we started looking to buy a home together, things got a bit complicated.

It's not finalized yet, but Ty and Daniel are on the mortgage application.

I'm not because my income as a self-employed freelancer is too recent for the mortgage company to consider.

I never dreamed of being able to own a house. With three incomes, it's easier to get by.

Ref: I'm poly and live with my husband and boyfriend. We make $155,000 combined and can finally buy a house (Businessinsider)

Photo Credit- Jared Soaren for BI