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Living with a gf for a year or more (?) constitutes a common law relationship and she may have some legal entitlement of your stuff should you guys break up and she fights for it.
Do correct me if I'm wrong.
The gf better get along with the sister if she plans on sticking around for long. You should never make enemies with your SO's family. Family appears to be a more sound deal financially but if you're at the stage to settle down, gf may be better.
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