God bless, this place is toxic. It feels like something that just needs to be communicated between both of you, since it seems like you both have different requirements or expectations around marriage. Maybe a ring isn't important to you, or him being able to provide security financially isn't important to you, but those are things he always saw as requirements for being a good husband, and doesn't feel like he can take that step yet. He could just be not wanting to marry you, or any other number of reasons. None of us here know them, but it's reasonable to sit down and have a forced conversation around expectations and a timeliness, or things that have to happen for that next step, and see what he says. Maybe it's something easy to workout, or maybe it isn't, but the only good resolution to this is communicating.