When to say I love you

I have been dating this guy for almost 3 months. It’ll be 3 months on new years eve. I know it’s too soon to say I love you but the thing about our relationship is that even though it has moved extremely fast, it all seems so right, to both of us. We both feel like everything is so perfect almost like it was meant to be. It’s strange but it’s a good strange. We talk about our future, we talk about having a future together, we’ve even joked around with talking about what we’d name our kids. We both also have made it clear that we want this relationship to be serious, we want it to go somewhere, we want it to be something that lasts.. like forever. He is 4 years older than me so I know just how serious he is about wanting to find that someone to settle down, and he has asked me if I’m okay with that and I am beyond okay with it. I’m not the type of person that dates around just to date. I know i am young (21 he’s 25) but I want to find my person and to me, he’s already becoming my person. I am falling SO hard for him. So hard so fast and it doesn’t scare me one bit. I have had the words “ I love you” on the tip of my tongue for almost a month. He’s told me he has almost said it a few times but he wants me to say it first. I’m just nervous that i will say it too soon. I will catch myself just staring at him in awe because he makes me so incredibly happy. I’ve been through a lot in the past few years, dealing with loss, a very mentally abusive relationship and then he came along and it’s like everything just feels SO right. I’m blessed to have someone treat me as well as he does. He’s honest, loyal, he’s just everything i could want and more. I know saying I love you right now would be too soon, but like.. when do I say it? It’s been so long since I’ve felt this way about someone that sometimes I don’t even know how to act. Any advice? ❤️