Regarding the marriage and financial problems you mentioned, according to my personal experience, he actually thought about it and was under pressure, but he wouldn't say it. I am younger than you, but I am similar to you. Talk to your boyfriend about marriage, but he doesn't talk or change the subject. In my various ways, his answer is that I am under great pressure. Now I have to work hard and have an economic foundation to give me a better life.
So, your boyfriend's attitude, you also analyze, is he doesn't want to be with you, or he thinks he is a man and won't say it easily.