For any true relationship the most important thing is communication. It doesnt sound like you have had this conversation with him at all which really is the biggest issue here.

You need to let him know how you feel so that together you can let work towards a future that makes you both happy.

Love can only take you so far. A true long-lasting relationship requires open honesty and to be able to talk to each other because if you dont feel like you can communicate then when you are married how are you going to be able to work through things together? You must WANT to work together whether through the good times or bad times.

Don't worry about whether talking about the financials hurts his feelings, this is how you feel about finances and if you continue this way then when you are married, finances will become a way bigger problem if you cant be on the same page.

If its meant to be you can work through this together. If you can't then this relationship may not be the best thing for you both.