Stay or Go? Not being married.

I've been with the same man for almost 4 years now. I have a son from a previous relationship, but his bio father is not in the picture (which is a great thing!) My bf now is my sons "dad" he's been around since he was 3 years old and my son calls him dad. My bf is perfectly fine with this and calls him his son. We recently had a child together who's only a few months old. So I basically have 2 children with this man, have been together for 4 years, we live together, pay bills together, are paying on a car together... doing the whole husband and wife bit but without the actual marriage.

This upsets me! I want to be married to him. I want to have our whole "family" have the same last name. I love this man and I know he loves me... idk what the hold up is. We have had this discussion before about it all, he just complains about money and not having enough for a ring, when I have repeatedly told him I don't want something extravagant, I just want his last name. For our little family to become a whole!

Any advice would be helpful!

Would you stay with him and wait it out? It's killing me slowly and making me insecure about our future. I don't want to wait forever.

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