I'm with Fawn kinda... there will NEVER be a perfect time for you to be together. Make it now or never kinda thing... I don't buy into the whole "I want to wait til my finances are secure" thing, cause a relationship is about going through things TOGETHER... so you can both be poor together instead of seperate. I don't know the details of your guys' situation but I still say that's the worst excuse ever... whether he knows it or not, I mean he could be 100% genuine but you need to just let him know that that's life. Life is never perfect and if you guys are gonna be together why waste precious time over trying to be "perfectly" ready for a relationship you know?

You're practically dating now from the sounds of it, just without the label of "dating". Tell him to either be with you or stop being together all the time. Good luck and keep us posted