am I overthinking this or is he wasting my time?

Im 24F, and my bf is 26M. We’ve been together for a little over 10 months now. The relationship is honestly good, we spend a lot of time together, go on dates, travel together, etc. He also talks about future plans with me all the time, but the thing is… those future plans are almost ALWAYS about traveling 😭

I’ve made it pretty clear that I’m dating for marriage and I don’t want to stay in a bf/gf relationship for years. I’m not asking to get married tomorrow either, but after around a year together I would at least expect him to come talk to my family and make things official.

Whenever marriage comes up, he says he’s not financially ready yet. This is where I’m confused. He has a good job, and gets paid well. He also travels a LOT. He has already done multiple international trips Dubai Thai... So I don’t really understand what “not financially ready” means.

And I don’t even want a wedding 😭 I’ve told him this. I’m perfectly fine with something simple. I’m also having my own salary, so I’m not expecting him to suddenly finance some crazy lifestyle for me.

What confuses me even more is that sometimes he says things that sound VERY serious. Like two weeks ago we were randomly having dinner and he asked me what kind of proposal I would want. He’s also planning to get his own place cuz rn he lives with a friend, and he asked me to help him choose furniture.

So sometimes I’m like okay, obviously this man sees me in his future?? But then he basically never talks about marriage on his own. He talks about us traveling everywhere together, but not about actually getting engaged/married.

And since we’re Moroccan, this is also starting to bother me more. We’re already doing a lot of things together that I personally don’t want to keep doing indefinitely without commitment. Even traveling together can be stressful because of family/cultural stuff, and intimacy is complicated too. I’m starting to feel like he already gets most of the benefits of a very serious relationship while I’m still just his girlfriend with no actual commitment.

I don’t want to pressure someone into marrying me, and I definitely don’t want a proposal just because I gave him an ultimatum. But I also don’t want to wake up after 2-3 years and realize I spent all that time with someone who was perfectly happy dating me but never actually had a real plan to marry me.

What do you think? Does “I’m not financially ready” make sense in this situation, or does it sound like he just isn’t ready to commit yet? And how long would you personally wait before expecting him to at least come speak to the family?