<human>: Could you distill the essence of the text into 1-3 sentences?

We've been dating just over three years now. Met in high school and started dating grade 11. We're now in 2nd year University. I moved away for school, and she stayed home, but she transferred and came to live with me just under a year ago. We love each other and get along well, but we definitely have different views about the future.

I realize we have to sit down and talk seriously about these things, rather than just letting them bother me, but what if our life goals are incompatible? A lot of the things we disagree on are some years away (travel, babies), and I can't imagine my life currently without her, but I don't see a future where we could both be happy with my current understanding of her and my ideas of the future. I don't like the thought of breaking up, but do I have much of a choice if we don't have a common ground for the big issues? Am I overreacting and thinking too far ahead?
<bot>: my girlfriend and I disagree on major life issues (travel, babies), but I haven't had a serious "where is this relationship going" talk with her about it. Am I overreacting?