Don't get me started, it is a subject that has bothered me for such a long time with no resolution and is specific to 'co-habiting' couples like me and him. Husband or wife is fine as a description, but when you aren't married? Partner, significant other, both sound way too business like and clinical. We are in our middle age, boyfriend/girlfriend just sounds ridiculous at our age. Still have not come up with an appropriate, affectionate without being too twee word to use when mentioning him.

I can of course think of many derogatory terms...

[as can he for me]
As to the HTMBO/STMBO etc, I think most are tongue in cheek and there is an expectation between couples to have some financial respect for each other and not go mad without some kind of discussion, but small amounts are usually acceptable unless you really are feeling the pinch financially. Serious question though, people are very good at disguising their financial circumstances online [both if really skint and really flush and anything in between, it is no one else's business], you can't be sure the chap you mentioned could 'obviously' afford the accessory unless you are their bank manager, so unfair to judge.