When Is the Right Time to Discuss Serious Aspects of Our Relationship?

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You suggest we be cool and keep conversations light at the beginning phase of relationships. I’ve got a question: when is the appropriate time to bring up more serious stuff and how to initiate the conversation?
My boyfriend and I are 3 months into our relationship. Both of us are 37 years old and pretty serious about our relationship. I have talked to my friend about my relationship, and she suggested I find out asap what our plans are in terms of financial planning, combining assets, whether or not staying with in laws in future, otherwise I could easily waste another year of my life

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