how do you know it's time to settle down?

i guess its one of those things that u just kno

If you're having doubts about your relationship.. that's a pretty big clue that maybe this isn't the right time to think about stuff like that. Perhaps work on building your trust up with your partner again. If you've tried to build the trust and after awhile, you're still having doubts, then perhaps it's a sign to move on.. Good luck..