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Are you suggesting 3-person “marriage”? Polygamy? That is evil! Only the devil marries multiple people! /s

Ill ask my GF if I can look for a 2nd (working) lady to cover some financial issues

If we don't hear back from you in 2 days, we'll send help!

Yes, but obviously not legally married as that is not currently possible.

In which case the obvious solution is to incorporate the family and write the articles and by-laws like a pre-nup.

Some use of the civil marriage system might also be required to realize a subset of the benefits enjoyed by traditional marriage partners.