I am conflicted about wanting the ring

I am young. I'm 21 but I've been with my boyfriend for three years, I know he's the one in my soul or something. I've never ever felt such strong desire for someone and always wanted to put so much effort into a relationship before. I click with him in every way and I find myself WANTING HIM TO PROPOSE

My brain knows it's not time, we are too young, we aren't financially ready, and he has said he just wants time. I am okay with this most of the time but sometimes my insides just catch fire and want to have it.

Just wanted to vent my thoughts about it.