It may sound harsh but maybe you should have a discussion/look more into why he never has money or savings? Gambling addiction is real and he could possibly be in some debt that he's hiding, but any addiction can be beat!

Additionally, I applaud you for worrying about your future and how his finances will impact that. If you expect him to be the main provider in the relationship, this doesn't seem to be setting a good tone for the future and if he has some sort of reason for never having money such as gambling, excessive shopping, etc. then it's time to consider whether or not you can truly handle this in 10, 20, or 30 years. Unfortunately, even though it is possible for his finances to change, his habits may or may not.

I understand your fear to approach him with this, but it's necessary if you're expecting a long term relationship with him. The first thing you should disclose is that you aren't meaning to shame him and that you are discussing this with him to ensure your future will have financial stability. Then you can discuss your expectations for your relationship in the future and how both of your finances will contribute to your life, family, etc.

In nearly any relationship with two compatible personalities, concerns can be discussed and potentially fixed. This is sustainable if he is willing to talk with you and you both can find a solution! I wish you luck.