<human>: Can you condense the text into three sentences or less?

Me: 27 male

Her: 26 female

Relationship Length: 2.75 years

Living Together: 1.75 years

My girlfriend gave me an ultimatum to decide to marry her by the end of the year.  I'm mainly worried about marrying her because of her poor work ethic and personal finances (Especially with having kids, I need someone who will be a hard worker, and I just don't see that with my girlfriend).   These are two things I know will be impossible to change in a person, but I also acknowledge these are two of the most common problems between two people in a marriage.  We've had conversations about this, and I feel that she is aware of my expectations, but I am doubtful she will change to meet them given our history.  Am I being too picky to expect a woman to be a hard worker and have good personal finances or should I really examine what I want and find someone else?
<bot>: GF gave me an ultimatum to decide to marry her by the end of the year, but I'm concerned because of her poor work ethic and personal finances.  What should I do?