Ive been with my SO for 5 years. And in those five years we have lived together for 4.   

We have talked about marriage and babies for all five years and I am very anxious to get to that point in our lives. 

The only problem is my boyfriend is not doing anything about it. He says he wants to marry me so why is he taking so long and how hard is it to save up for a ring ? I dont wanna come off as rude but if I was the one (stating as if popping the question the old school way) was the one asking him to marry me I would have been had a ring for him.  Were not old but were not super young either and we talked about having at least 3-4 kids ..... I dont want to be super old when I finish. 

I feel like im just playing house. Having sex with out the commitment of marriage and not getting anything I really want in return. 

My question is should I be feeling this way? Am I overreacting or is it normal to want things after being with somebody for this long. Should I withhold sex from him? 

Because its getting to the point where i feel used for sex, i feel like he loves me but there is like no action being made torwards our future.