Ok, so how much of our "stuff" has to be tied together? I mean, I'm on his cell phone plan right now.. I get my mail from my school to his house... Is it 100% necessary to have joint bank accounts? I guess, if i HAD to I could put him on my bank account out here as well.. But that's a last resort thing. I personally would rather have my own bank account. What other acceptable ways in your opinion, can we consolidate?? Leases I guess, if we eventually move out of the parent's house within this year.. But that's a big IF.
Thanks again for your help.

Sorry if I'm seeming redundant, but the whole process is overwhelming because you want to do it right the first time so everything follows through smoothly.
Again, thank you!!