You and your boyfriend are obviously not on the same page. Does he speak with sincerity when you talk about the future. Try bringing it up again and watch his body language and the way he talks of it. Guys are light-years behind us girls in maturity level and I wouldnt think it abnormal if he was uncomfortable with planning this all just yet. You said you dont plan on leaving him and so basically your saying you'd wait for him if hes not ready for this yet, but since your bringing it up I know it bothers you to some degree. Now depending on how much it does bother you, you need to decide whether waiting is going to be better for you or if its in your best interest to find someone whose up to par. Theres really no saying how long it will take your guy, but if you are sure about a future with this guy you need to lay down the law and let him know that his excess spending is going to have to change sometime. Example: instead of over spending on video-games, that money is going to have to go to bills etc.