Advice on what to do about my boyfriend?

I've been dating my boyfriend for almost 3 years and I talked to him about a commitment and he said he wants to make sure he financially stable to provide for a family. Which I understand but I'm able to work and help out with the bills. I just think a engagement is the next step after 3 years. I would be happy with a long engagement for some reason in his head when I tell him this he thinks I want to get married have a baby in less than a year. I feel like a shitty girlfriend for giving him a ultamadium but I'm 28 years old and can't wait forever. What would you do in my situation? Any advice, would help thanks!