I really need some insight plz

So I’ve been with this guy on and off for 10 years.

The longest we broke up was a year. And after that we have been together since.

I’m currently 24 and he’s 26 . I’m at a point where I want tk take the next step in our relationship. And I’m over this boyfriend girlfriend living with our parents situation.

And I feel like we should know if we want this for the long haul and I’m all in.

But everytime I mention living together or looking at places he’s very hesitant.

He says he wants to but always gives me an excuse.

His best excuse was that he works so many hours he doesn’t think itsworth it to pay all this money and he’s hardly there. So I cut back and tried to understand him.

Well about a week ago he was offered a great job with a great schedule and is still hesitant.

He gives me the excuse that he’s scared we can’t afford it. That he’s scared he’s goin to have to be stuck in his job because now he’ll have bills.

What should I do? At this point I’m ready for a family I’m ready to have a life with my husband. But when I tell him we don’t want the same things he tells me he does.

I know for dam sure I’m a good girlfriend. I know I provide what is needed. But I dnt get it. He wants me to wait until he finds the absolute best job with the best schedule and the best pay.

I’m lost and don’t know if I should wait any longer. And I always tell him he cn continue to grow his career and just cuz we love together doesnt mean that has to stop. We both make pretty good money so that’s never even crossed my mind. But he wants to have nice things.

Idk I just need advice. Am I a terrible person if I’m ready to throw in the towel. Or do I stick it out because I love him?????