Are finances and life stability really a major consideration in a relationship? (Long)

I'm 21 he's 25. He has no car and no place of his own and I won't be ready to move out till next year.

He has nothing going for him and he doesn't push himself to do what needs to be done in his life. He works making 10.25 but he cant budget. He wants to go back to school but he makes excuses for himself. He complains about not being able to do things but he doesn't make an effort to change anything even though I know he has the drive to do whatever he wants and succeed in doing it. He has such GREAT potential but he doesn't act on it. I love this man to death and i do everything I can to support him, he's just to dependent on others and is more of a mature boy than a man. I've been trying to get him on track on where he wants to be but it really isn't sinking in enough. I told him let his failures be his motivation and let your agitation be the catalyst to your life. If the agitation isn't enough, think of the future you wish to have with me.

I'm pushing myself to succeed in life (even though I slacked a little) but I'm afraid nothing will ever change on his part :(..he's seriously someone I want to marry but I'm concerned. I know everything takes time but Idk how long it's going to take him to change his life around. His patterns indicate it won't happen for another few years. I'm questioning if I really want to dedicate my life to that despite how much I freaking love this man. I feel awful that I am thinking only of myself right now.

Is it wrong to leave someone over this. Is it wrong to think only of myself in this situation? I don't plan on leaving him at any moment but I know things can change and if there ever will be a reason for I to break it off, it will be because of this but I want to make sure I'm not thinking like a total dick head and a selfish human being.