Dear OP, What makes you think that the guy is simple and nice , he seems very materialistic. Why should he decide what will be in your and his name, interest will be used for monthly expenses , too much, you have to pay for your food and lodging ?? Why should he decide that you will not inherit anything from your Dad, he wants it all now, why wait for years??? These are all red flags. If you marry the materialistic guy then he may demand more and force you to ask your family, then you will be in a soup. He may ask you to break the FDs and you will of course do his bidding. Please assert yourself and tell him that you will make your own decisions regarding inheritance ,he need not speak for you. Cash he will keep, why not in join account? Suppose your father does not agree then the groom will search for another rich girl. Also do not go against your family in your haste to please the guy, never ever sour relationship with your parents, brother, it may go against you later in life. The big house may be divided amongst a host of relatives, will anyone ask to see papers? Very cut and dried bargaining by the groom, its dowry in a new form. Very sinister, calculative manipulative guy, if you admire such people then go ahead. All the best.