I just got married a few weeks ago, and even though we only had about ten days after the wedding before going back to our respective countries, I totally felt different. If you had asked me this question a month ago, I would have said a marriage it's all just a piece of paper, and doesn't have a thing to do with our relationship. Turns out, I was wrong. Freaky! But I feel closer to him, we're both a lot calmer. Making that promise before God (if you believe) or just before your friends and family (if you believe in that more) just does something.
As for money, I feel the pain on that. I have been a big earner and now I'm unemployed and totally unsure of how well I'm going to do in the UK. I'm coming with student loans and a house I have to rent because I can't afford to sell. Terrifying!
But, it's all about making an equal contribution. Is a stay at home mom lazy? Oh heck no! Looking for a job counts as a job, and so does making sure the washing is done. Chores should be split equally according to time. So if one works 20hrs/week (school counts) and the other 40, than there should be a proportional split in chores. And if one brings in 80% of the household income, they should pay 80% of the bills while the partner pays 20%. It's not a competition. Running the house is like running a corporation. If one part of the biz is more profitable, you use those profits to shore up the other segments.
Does that makes sense? We're not tested yet, but my husband and I have had long talks about this, so we are on the same page... sorry for the sickening corp speak. Can't help myself.