When is time to have talk about future?

Ciara
My boyfriend and i have been together for almost 8 months we are twelve years apart age wise and im 28 he is older. We say we love eachother but never talk about a future together i feel like it should be discussed by now especially at our ages its not like we are immature teenagers. We both have great jobs and financially independent. Am i wrong to bring it up is it too soon?