Why can’t I move forward with my bf and live with him after 5 years of dating?

[peace]

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My bf and I do love each other after 5 years but unlike him who can discuss and wants to move forward about our future including marriage I am paralyzed when it comes to this issue. We are both in our 60s and he is divorced but I’m widowed.
I think I’m afraid because of either or both these reasons:

I’m afraid of losing someone I love like my late husband. I almost didn’t survive that loss and I’m still grieving after 7 years.

Or

He has very little money saved and lives paycheck to paycheck and I’ve worked hard all my life and saved money for a decent retirement so I’m scared I’ll end up supporting him. My daughter feels he isn’t good for me especially since he could become a financial issue. She also doesn’t feel he isn’t a moral guy because he has lied to me in the past.

I don’t want to leave him but can’t keep on leading him on that we will live together soon and then possibly marry if I’m so hesistent.

Does anyone have any thoughts?

[Bill]

If you know in your heart that you are leading him on, then it's best to leave him and allow him move on. There is no need leading him on when you know inside you that you won't marry him.

[Vivian]

You daughter might be right about your boyfriend, he's definitely going to be a financial burden on you in the future. So, if you aren't comfortable with the relationship, then quit.