Feeling discouraged

I'm a 24 F and my new partner is 27M. My partner and I started off as a FWB. I never really cared what he did for a living. I didn't have to worry. We've unexpectedly become serious for three months now and we've really made this big jump from FWB for over a year to the "I love you, I want to be with you forever!" He treats me very well. Very thoughtful, very genuine. I can see myself settling with him. Although, My biggest thing is that he doesn't have a career. I don't know what his personal goals are. I've tried asking him and he doesn't have much of an answer. He says house and kids which is a general answer but I need to know the plan to get to the house and kids part. I wouldn't say he's lazy? He helps a lot around his family. He says his main source of income right now is through his stocks.

I just want to be able to know there's some stability. He's talked about doing a county job in the city we live in. He hasn't actually done any steps towards that and has been slacking.

I am planning to make a move back in with my parents to save more money to eventually own a home. I feel like it's hard to factor him in if I don't see any effort on his end? I am working consistent hours through my nursing job. Nurses get paid fairly well where we live.

I feel bad that I feel this way. Makes me think my love is not unconditional. Money isn't everything but why do I feel so discouraged !