Boyfriend changes mind..?

So, my boyfriend and I have been having unprotected sex for about 4 months now . We’ve talked about have kids and starting a family together, have a future.... When all the sudden after a wonderful vacation with just the two of us, he pulls out? He usually would talk to me about this type of thing first and not just do it. Obviously after 4 months of the opposite finish in bed I was thrown off guard and certainly questioned him about this... His reasoning behind it was he thinks we should enjoy our time together and not rush into having a baby right away, he doesn’t want either of us to end up as a single parent... I’m still really confused and honestly kinda hurt by this. The way he’s been acting lately makes me feel like I might not have a future with him at all. What scares me even more is that we live together, share bills (phone, furniture etc), as well as share a bank account. I know there’s a possibility I’m over reacting, but I just want to know how you ladies would feel about this sudden, dramatic change in your man.