To break up or not?

Me and my fiancé have been together for 2,5 years. We got engaged about 6 months ago. I really love him and he loves me back.
But I believe I'm getting bored with our relationship though. And the things that have been bothering just bother me even more now. He has his own business but doesn't quite make much money at all. His vehicle is outdated. So we alway use my car.  He has no health insurance. Just little things like that bother me. 
He also has a 13 year old son. Even though I don't have to interact with him, it still somewhat bothers me... 
The things I do like about him is the fact that he has a heart of gold and he can be a lot of fun. But I'm afraid it won't be enough in the long run... And really scared because I'm already 30 and don't want to end up making the wrong decision as time is running out... (He's 38)