OP, the more you write, the worse this sounds. In the nicest possible way, it sounds as if he's just not that into you, compared to how much you are invested in him -- he's not that interested sexually, he only wants to see you at regulated intervals etc, whereas you sound as if you either have nothing at all going on in your own life other than him, or you are willing to sacrifice everything else for him.
Reading you saying that you are available to meet him every lunchtime, every evening and all weekend is really sad, OP. And I don't mean that patronisingly. You owe it to yourself to inhabit your own life more fully than that!
I think you're asking the wrong questions. Finances are irrelevant to this. You have been unlucky enough to fall for someone who is extremely set in his ways, and while you want a conventional romantic progression to moving in together, marriage, children etc -- he simply doesn't. His life is fine as it is. And you aren't helping yourself by being so abjectly available to him 24/7.
I don't think this is going anywhere, in the sense that you want it to, or at the pace that will allow you to have children with him, if he eventually comes around to an idea he's not keen on and may never be keen on, or, if you continue hanging on for dear life for a few more years, to allow you to meet and have children with someone else, who is as much into you as you are into him.
Forget finances, OP -- they're largely irrelevant to the real dynamic here, except insofar as you are the poorer partner in the relationship in several ways.