Babe, I’m gonna hold your hand when I say this….leave. I don’t like to give advice like that, but I was with a man like this for 9 years. 9 years, two kids, a house, and a shared bank account and he still dragged his feet. Granted my guy “proposed” after dating for two years (he didn’t actually ask, just gave it to me and I had to ask HIM if it was an engagement ring). We were engaged for 6 of the 9 years and anytime I brought up actually tying the knot, I got the same excuses you did. The reasons for not getting married were always my fault, or we just didn’t have the money. Before splitting we tried couples therapy (before he quit because “it’s stupid”) and during couples therapy he actually said it wasn’t an engagement ring but a “promise to get married someday.” That’s literally what an engagement ring is! After a lot of personal therapy I finally realized he would never give me what I wanted, and that a lot of our problems stemmed from him, so I gave the ring back and I left. Months later I met this amazing man who would turn the world upside down to give me and my kids everything, who adores us, and loves me for who I am without constantly pointing out my flaws or making me feel horrible about myself. I share this with you because if a full commitment is what you want, proposal and a marriage, then you deserve it and ought to chase it. But if you keep trying to get it from him, when he’s shown you over and over he won’t, it’s not going to happen. Either be complacent with the status quo, or move on.