It is an important detail, but kind of an intimate one huh? Personally I think it should be discussed as you two are getting to know each other. If you want to say it upfront, I think that is fine as well. But I don't see anything wrong with waiting a bit. When would you discuss finances? Right away or after a bit?
Oh and life does appear hard often, but i think life is just life, if that makes any sense.
