33 YO F hooking up with much younger man

I (33YO) have been hooking up with a 21YO M for the past month and a half. We met at a bar and I had no intentions of speaking to him again. But he got my IG handle from a friend of a friend and has pursued me hard since. It’s the best sex I’ve ever had (and I’ve been with a decent amount of people) and he already has figured out my body. He initially was just coming over to have sex and sleep over up until a few days ago we spent the day together. We had a really nice time which has me a little torn.

I really really enjoy the sex and outside of that he is fun to be around. He makes me laugh and feel like a kid again. He has told me that he likes me a lot and wants to date me. He said he prefers older women. His ex was 28 and he was 19 when they dated. I am still hesitant to pursue anything more than hooking up for several reasons not just his age.

He didn’t pursue higher education and works as an entry level salesperson at a motorcycle shop. He still lives at home and won’t be in a position to move out anytime soon. He rides a motorcycle which I am against, he also gets in trouble with speeding and has been chased by the cops. I’m surprised he still has a license at this point. He tells me he knows he’s not doing what he should be doing with his life and wants to join the coast guard, but he has to stop smoking week first.

I’m a highly paid professional woman who wants to get married and have children. I want a comfortable life. I have expressed to him that we are not in the same places in life. He says he wants to do better and I inspire him to get his life together. He tells me he’s an old soul and wants to settle down.

As I write this I know how bad it sounds and that I should cut things off. But I enjoy my time with him and he makes me feel good. Even though he doesn’t have money he pays for my food and wants to take care of me. I feel like I’m the main character for once. But I don’t want to hurt him as he gets more attached.

Should I try to keep enjoying the great sex or give dating him a chance or cut things off ?