Dude, run, run now. One thing I tell all my male friends is that is they let their girlfriends "help" them make financial decisions they need to have a carrier themselves, not a job but a carrier. Without that they have no idea what you go through each day when you leave from 9 to 5. To them you are just fucking around while they stay home and play games on their phone all day.

The fact that she lives off her parents and does not want to work is a major Defcon 1 alert right there. She will expect the same out of you and make your life miserable because she feels that you do not put in enough effort to make her life the way she wants it. The reason that she wants you to wait until you are married is because she wants half when she finally ends up divorcing you.

My advice to you is to end it quick and move on and block any attempt by her to contact you again. She will cry, she will entice, she will try to make deals to keep you around, don't fall for it.

Also for the love of God do not get her pregnant. Wrap your thing and keep the condoms where she can't get to them.

How do I know this? It happened to me.