I’m confused about what to do

I live with my boyfriend in a live-in relationship. His family knows about it, but mine doesn’t. We are planning to go abroad on a work visa. I told my boyfriend about my plan, and he agreed. But it’s been more than a month, and I’ve been talking to him about how we’re going to do it step by step, how we’ll take classes, do internships, and then apply. He asked me to wait a little longer so he could save more money. I first talked to him about this a month ago, and I told him several times that we should start from next month. He agreed at that time, but now he’s saying we need to wait another 4 to 5 months. But my main concern is my mother. She’s a single parent, and she wants me to build a stable future. She keeps asking me what my plan is, whether I want to apply for a student visa or go abroad on a work visa. We have problems when it comes to marriage, me and my boyfriend, so I want to go abroad so we can build a stable life in the future. My mom has already started losing patience because it’s been a long time, and I keep holding her back and rejecting the decisions she makes for me. At the same time, my boyfriend isn’t taking action, so I feel completely stuck. I also can’t ask my mother for money because I told her I wanted to live independently, and right now I don’t even have a job.
My boyfriend and I can’t get married right now because we live in a rented room, and his salary is daily-based. It’s enough for daily comfort, but not for long-term stability. We both don’t have our own house, and even our parents don’t. We both come from single-parent families.
I want him to understand my situation, and we are already in our 20s. It will be too late if we don’t take any action.
Another issue is that he thinks I’m impatient and want things to happen immediately. But I just want us to take one step at a time. Did i only planned our future as something to keep in mind.