i find the answer "im just not ready" not enough myself................. there needs to be more substance to it...........ie why is he not ready, and is he not ready to marry you now, but will be in the future, or is he never going to be ready to marry ever, or never going to be ready to marry you. Is he prepared to committ to you but not marry, or is this marriage thing about committment.
And whyis he worried about money, in my experience couples are better off than us singletons.......................so this needs to be explored further as well.
If he wants to be with you he should be prepared to answer these questions more fully............................... sometimes some people dont appreciate what they have til they lose it...................................
good luck