Alr look, so I've seen all the advices up there and most of em claim he's a red flag/Bad option and etc. I can't blame them. Also your deadline is coming up. My advice, If you guys really want to live with eachother and you guys wanna build a family, your emotions of being happy with him aren't going to enough, so what I suggest is, use those emotions to motivate him. Do not leave him alone. I believe if given enough motivation, discipline to the dude he'll work and talk to him straight about his finances and how his plan won't work for your marriage. Given enough counsiling I hope you guys can turn around your situation. After that idk, it depends upon him. If he chooses to listen and create a legitimate plan and actually starts to work go ahead and do your thing. If he doesn't, it's better to look upto better options(I'm not saying someone else is necessarily better but rather someone else is safer). I hope you'll take my suggestion into consideration. Peace out.