<human>: Background: I've been together with Steve for a while now. It's great and we both love each other. He's the first guy I've dated that actually treats me with the love and respect that I want. Due to busy schedules we can only see each other 1 or 2 days out of the week mostly weekends. 

Situation:
I'm finishing up my B.A. at a University and he's working on his Associates at a community college but he's taking some time off because of problems with the V.A. and he doesn't have time to deal with or so he says. The other day he said once I finish college he wants us to move in together. I'm okay with that but the bigger problem is that right now I have a job as a nanny making pretty decent money. It might end around August and I'll graduate around Dec. I know I won't get the greatest paying job with my degree in Psych but it'll be something and I want to save up for grad school before I go. He works at a Car shop kind of like a Midas or Jiffy Lube. He barely makes enough to live on his own. He says he wants to be a marine biologist but he hasn't been back to school in a year and he hasn't gotten any experience with animals. He is sort of in a rut which I understand.

Question: How do I begun the discussion of telling him I want more from him financially speaking? I want financial stability for my future. I'm not saying I want a billionaire or someone making six figures. I want someone who wants the same goals as I do. But I don't want to come off as a gold digger or that he's doing a shit job and needs to be a better person. He is an amazing person with a job with no financial stability for a future with someone. I don't want to have to be financially responsible for myself and someone else when we're not even married. Any advice would help. If need more details you can ask and I'll try to answer.

Can you provide a brief overview of the text?
<bot>: Need advice on how to begin a conversation with SO that if he wants to move in with me he needs to be more financially stable without coming off as a bitch or gold digger.