Do I settle or move on?

I’ve been with my boyfriend for several years and most of them have been good years. However I have taken short breaks from time to time because I have become frustrated with him not taking care of himself financially in some cases. But since neither of us are getting any younger and since we’ve been together for so many years the next step seems to be to live together. I’ve made it crystal clear to him that I can’t live with him unless I know he’s fiscally responsible and has some kind of decent rainy day fund for himself since he has no assets. He’s managed to save a little each month and a family member left him some money after their death which he has used for some things but has some left b

He is still working and intends to continue to work for the foreseeable future as well as to collect Social Security.

He promised me that he’s going to do better to save more than he has been. However recently I purchased the following items with my own money number one is his mothers birthday gift , two a donation for his friends danceathan, three a gift for a wedding he was invited to with me as his guest and four the airfare for both is for a wedding that he was invited to with me as a guest. On the last expense he told me originally he was paying for everything when I made him realize how much money was involved.

When I mentioned that my bills now are starting to add up he said “I’m running short this month”. I have much more in terms of income and assets than him and I’ve made it clear that I’m not here to be his retirement plan .

As I said before we do love each other but I feel like I’m sort of at the end of the road with him and that I believe will be setting myself up for failure if I ever was to live with them. He’s very loving and very caring and takes good care of me emotionally and he’s always reliable in terms of always being there for me. Should I settle or move on?