Should I feel worried for our relationship ?

I currently feel super insecure in my relationship with my boyfriend. We’ve been together for two years now and wow do we have something special but we’ve also had our ups and downs.. he’s 23 and im 21. Im so ready to marry this man and take his last name it makes me wanna cry like I absolutely cannot wait. Him on the other hand, he says he isn’t ready for marriage. He says he still has some work to do on himself before he feels like he can be the husband he should be for more and also financial reasons.

It seems like ever since we had that talk, our relationship is just crumbling. I feel so distant and insecure now