I've been dating a guy for about four months now. I really like him - he makes me laugh and feel all gooey inside. There's just one big problem: he's financially irresponsible.
At 26, he's living with his parents and has no plans to move out because he "doesn't have the money for it." He spends half of his paycheck paying off his car, which is CONSIDERABLY above his means, and the other half on movies, dates that are too extravagant (but that he insists on doing), and small goodies for me. He doesn't pay for groceries, utilities, or college. He doesn't have a retirement plan. He has no savings at all. He does, though, have credit card debt. Even with all of that, though, he says that for retirement he wants to buy a condo and travel constantly, but he doesn't seem to realize what that all costs.
He had a plan to move out in what I thought was a year, but it turns out that the plan was that he was going to move out for six months to a year using his tax refund. He told me this, and also said that his family had warned him against it, and I'm pretty sure that they now think that I gave the thumbs up on such a terrible idea.
He keeps on saying that he WANTS to grow up because he wants to give me everything that I deserve, but he thinks that this includes chocolates and dinner out. But he still digs his feet into the ground when finances are mentioned, which they are often because he and I talk about the future. He gets embarrassed and says that he'll try to start saving, but the next day he's still trying to "spoil" me.
Finances are important to me. I don't need a guy who can buy me diamonds, but I need a guy who can stand on his own two feet.
Is it time to dump him and find an adult, or should I give it one more go and tell him that this could be a breaking point for me?