Please help me see things clearly. I'm a 23-year-old female, and my boyfriend is 23 as well.

Could someone please reassure me that I’m just too young to be worrying about this? It’s seriously depressing me. Here’s the situation: I’ve been with my boyfriend for three years, and we live with his family. I moved in pretty early—about three months into our relationship—so please don’t judge! He’s a homebody, which has led me to read a ton more and play video games way too much. We both work and save; I work from home, and he’s a diesel generator mechanic for hotels and similar venues. Recently, I asked him if we could have a baby. He said it’s not a good idea right now because we can’t afford it, which is true. However, I really want to be a mom already. I understand the reasons, especially given how expensive everything is here in Hawaii (seriously, $9 for milk on sale? It’s ridiculous!). He mentioned that if I went back to school for a better-paying job, he’d be more open to having a baby. My self-critical mind interprets this to mean he wants me to change. I wouldn’t mind going back to school, but the thought of doing it just for someone else's child really bugs me. I hated that comment he made. Then I asked whether we’re dating with marriage in mind. He said yes, but he doesn’t want to marry and then come back to his grandmother's house, which I understand. He wants to buy a house instead of renting, which is good, but the starting prices here are around $1 million for what would basically be a fixer-upper. Sure, it’s possible, but it’s going to require so much more hard work and time. I even suggested moving to the mainland, where the housing market is a bit more reasonable, but he’s really attached to his family. I get that too; I wouldn’t feel great about living my best life away from my parents if something happened to them. None of us have the privilege of inheriting land or homes. Honestly, I wouldn’t mind being engaged for years if that’s what it comes down to, but he says I need to be patient. I’m feeling somewhat rejected. I know having a baby or planning a wedding isn't in our financial cards right now, but it would have been nice if he had said something like, "I’d love to, but it’s not the smartest decision for us at the moment." His choice of words makes me overthink everything. I feel like we should be moving forward in our relationship. We don’t go out much and make memories typical of our twenties. There have been a few concerts and trips, but they’re few and far between. I've learned to enjoy staying home for him, but I’m left wondering—what’s the end goal? I want to have a baby, get married, or at least do something meaningful. It feels like he has set these unrealistic goals that we might never reach. I really don’t want to be in a long-term girlfriend role for eight years! And I’m scared of time passing by. I’ll be turning 24 this year, and I’ve always wanted to be a young mom. We’ll struggle with a kid whether we’re financially ready or not. Plus, I worry about my parents not getting to spend time with their grandchildren if we wait until he thinks we’re ready. If there’s a brutal truth to share, I’m open to hearing it. I just want someone to tell me that I’m too young or that I’m overthinking all of this.