Why hasn't he asked me to marry him?

I have been with my boyfriend for 3 and a half years, we have a mortgage, cat, dog etc and I have even stopped taking my BC as we said we will see what happens.
But there is one thing that is really upsetting me and that is that we aren't engaged. He knows how much I want to be, I've even cried a few times saying I don't understand how he can say he loves me so much and knows how much I want to get married but still won't ask me! All my friends and family who have been together less time than us are getting engaged. He said its because he wants to be better off financially to give me the ring and wedding a deserve but I told him I don't care!
What should I do?

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