Expectations after 16 months together ?

[Hmrevenue]

Late twenties , partner early thirties . Together 16 months. Don’t live together but nearby. See one another a couple of times per week overnight ( we both work) and a day and night over the weekend. Discussed moving in. He’s not ready and I’m
Strapped for money . Am I a fool
To wait another year or two? Cheers folks

We were living together, married, with our first child! (Before anyone says I am crazy we are still together years later and happier than ever - when you know you know! )