He’s not my boyfriend but he’s more than a friend

We’re in a weird place. We’ve been seeing eachother since September 2021. Caught feelings in December 2021 but haven’t had a title. We almost had a title in March 2022 but we started to fight. We fought a lot in and off. Broke up and got back together a lot. We cut ties for a little bit now we’re talking and spending time again. Things are different between us. We’re basically starting over but he’s in a very different place now. He’s struggling financially and is very depressed and even more emotionally closed off. We talked about alot of things last time we saw eachother. He doesn’t want a relationship and he’s being very upfront with me by telling me that and saying that I shouldn’t wait for him and if I do find someone else he understands. He feels like he can’t take care of himself and he can’t take care of me. We got into talking more about it and I want to wait because I love him. I want to be there for him. He’s going back to school on top of working 40+ hours. He’s saving to buy a house. I can’t see myself with anyone else. He’s alot older than I am but we have alot in common and have the same mindset on many many things. We are very similar. I just don’t know what to do. I know a lot of the way he is acting and saying things is because of how much he is struggling financially. He wants to work on not fighting and start over and see if we can get along before anything else.

I’m 23 and he’s 32