Am i being shallow? Am I wrong?

Little backstory to put it into perspective: I’m 21, and me and my current boyfriend have been together for over a year. I’ve been living on my own since I graduated high school up until me and my ex broke up, I moved back in with my mom. So In the time that I’ve spent taking care of myself, I’ve gotten used to being fairly independent, and I’ve always been mature for my age and very ambitious. Now, to the issue at hand:

My boyfriend is gonna be 25 very soon. I love him, so so much, and I really do want a future with him, I want to spend the rest of my life with him, and I know that, BUT...

As amazing as he is in every single way, the biggest issue I can’t get past is he’s going to be 25 years old and is making absolutely ZERO effort to get himself in a better situation financially, get his foot in the door for a better career, etc. I’m a hairstylist full time, I make probably twice as much money as he does, and I’m currently in school for radiology. I also want to add that I’m in no way trying to be a gold digger of any sort, the money issue isn’t my biggest problem but I guess the best way I can describe it is i feel like he has no ambition to do better or to progress, and I feel like as much as I get my shit together, he couldn’t be bothered. his big idea is that he wants to be a cop, But he’s making almost no effort to try to pass the tests he needs to, and couldn’t be bothered to submit any applications to any local departments in the meantime. I just feel like we’re stuck and as much as I’ve tried to talk to him about it he just kinda brushes it off. I feel like we can’t progress, start our life together, buy a house and do all the things we want because he hasn’t even begun to figure out what the hell hes gonna do and I feel so lost about it. I know a ton of people don’t figure out what they’re gonna do until a little later but he’s literally putting zero effort into even trying. Am I wrong for feeling this way? I’m as supportive as I possibly can be and I try to encourage him as much as possible but I just feel like the effort isn’t there on his part to move up in any type of career field and I have NO idea what to do. Has anyone else been in a similar situation? Advice?