I 34m need help navigating thru problems with fiancee 34f

Throw away account...... My fiancee has me thinking that shes not the one anymore. We've been living together for a few years now and have been talking about buying a home. She has a pretty good job and has a degree. We go half on all bills that involve each other like rent, electric, and internet. She has never been late on a bill and always has had her part. The bad part is she always complains that she is broke, but always takes trips out of town. This has me thinking that she isnt saving for a home and ive expressed to her that yea we are engaged, but if shes not going to be trying save to put a down payment on a house then she won't be on the mortgage when it comes down to it. She told me if she cant be on it, then she wouldnt live there. I personally have been on 2 trips with her this year, one in the states and one out the country(which she didnt have to pay). She also has been out the country and plans on going on another in 2 weeks in the country. Its like instead of trying to save and pay off debt(that she complains about) she tries to take trips and vacations. Im at a spot in my life where I really want to be with her, but idk if its actually a reality because it seems like we maybe at different points in life. If you have dealt with something like this, what did you do? Any input? Is she using me?