Boyfriend wants to settle pero di pa kami financially ready

Problem/Goal: boyfriend wants to start a family pero i feel like financially di pa kaya, plus I have PCOS and he doesn't have a stable job.

Context: 30F and my partner is 30M, together for 10+ years and living together. we have plans on getting married naman, napupush back lang kase sa mga nangyayari. Bf can't find a stable job so he mostly does the housework while I am working from home as a VA. We're still paying for the car and maintenance nung bahay. Part of me gusto din sana mag travel kase nkaka burn out din sa work minsan.

Previous Attempts: Ramdam ko yung gusto nya ng mag settle pero hard no talaga for me right now. I know mahihirapan akong magbuntis and with all the stress from work and managing financials na din,di ko rin alam if I can even carry a baby full term.