Boyfriend says he isn't ready...

Arekkusa

My boyfriend says he isnt ready.

My boyfriend is 28, and I'll be 20 shortly. I'm ready for marriage and to start a family with him, but he says he "isn't emotionally or financially ready" to both. We've been living together most of our relationship, so what's a ceremony of marriage going to change??

I just don't understand why he says he isn't ready, I feel like it's my fault.