I’m really struggling with this conversation I just had with my fiancé

For some background my parents have gifted us a sizeable amount for a wedding. My fiancé isn’t happy of my dads addiction and says he won’t accept their money.

We agreed on an amount to spend and eventually he said they could contribute to outside vendors only.

Venues here have 2 year waitlist making us 34 by the time we get married.

We live together but I was visiting my mom when he tested positive for covid so we haven’t seen each other in a week or so. Last weekend he asked me to get dates for venues we liked. I sent him some dates. Then today I talked to him and he says that he was thinking yesterday and he doesn’t want me having a kid at 35 but we can’t afford to do the wedding, buy a house and have kids so maybe we follow in his sisters footsteps and elope, have a kid then a big wedding. We want atleast 4 kids. For context his sister got engaged then got pregnant pushed the wedding out until after they had the baby and wanted to be legally married before their child was born.

I’m extremely bothered he’s refusing my parents money yet saying we can’t afford a wedding, house and kids. I’m totally fine raising kids in an apartment for a few years but he definitely wants to buy a house before having kids. I also want a wedding. I’m not open to skipping it. I suggested we pick a cheaper venue but he says that we’re still in the same predicament doing that.