Thank you for your replies!
I think the "bad with money" line was a poor turn of phrase to be honest. He's not frittering it away or drinking it down the drain, it's just that he set up a small local company and refuses to think bigger, so it will always be just a small local company that just about breaks even. That's not a crime, but it means he has less money than he could have. He's also badly organised and a procrastinator, which I am too, so I totally empathise with him. But because he has less income, he takes a harder hit when it comes to things like paying late fees and penalties etc. To be honest, keeping our finances separate, it doesn't bother me. As I say he's not selfish or reckless with it, he just doesn't make very much, and then makes that worse by not dealing with stuff as it arises. He would definitely be coughing up for his child. I think I would not want to marry, so this situation should be fine.
The second point is indeed the biggest worry, especially with Brexit. I have two issues, one is that I cannot trust him to not change his mind, and secondly, I cant trust myself not to change MY mind. I have always been "nomadic" and have a difficult time seeing myself sticking in any one place. He could easily decide not to go to the UK, equally I could decide to go back to the UK and change my mind again 3 years later.
Obviously this is completely not a reason to have a child but I know having kids can change people for the better, and I do wonder if, if we DID have a child, it would make him a bit more organised and me a bit less flitty.
Equally I could just wait it out, but I'll be honest, I can completely see myself waking up at 45 having flitted around and nothing has really changed, except I've missed the window to have a child.
I need to think about it all more, I looked into the "going abroad with a child" legislation where I am, and the law here is absolutely not favourable to doing that, which is understandable. Also, as I say, he loves children and really wants kids. I can practically guarantee that he would be really hands on and theres no way in hell he would ever give his permission for me to leave.
On the plus side (and this is really outing), where I live now is in the countryside outside a Eurostar station. If we did have a child, and we did split, I could move to the "Eurostar city" and possibly having a double life going back and forth between this country and the UK could actually not only work, but might be the only solution that could satisfy my craving for going back and forth, with or without a child.
This is so thinking far ahead, I know! But to a PP, it's not about me planning to leave him, it's about me planning ahead for the worst case scenario - because most of the relationships around me I've seen fail, because people change, priorities change, lives happen, and I'd hate to be 35 with a toddler stuck in another country and unable to leave, all because of "love".