<human>: Me and my fiance want to love together before getting married, but I'm pretty sure my mom would have a problem with it. 

2 years ago we talked to her about it when I was starting university and she was not happy with that. She called me a whore and "grown" (meaning a fast-tailed girl) and said that she would essentially cut me off if I tried. She even said that me moving in with him is worse than if I told her I was pregnant. 

My mom still pays for my car insurance and phone bill while I am in school, but I know that if I move in with him I would have to take care of those bills myself, which I am prepared to do. 

I don't want to ruin my relationship with my mother, but I love my fiance and he kind of feels like I'm rejecting him if I don't move in.

I think she may also feel like I would be making the same mistakes as her, because she cared more about guys than school and blah, blah, blah, but I am nothing like her in that regard. 

I'm not really sure what to do or how to go about it. I want to take on more responsibility as an adult, but at the same time I don't want to ruin the good relationship that I have with my mother.

Could you distill the essence of the text into 1-3 sentences?
<bot>: Want to move in with my fiance, but my mom would most likely hate me for it. What do I do?