<human>: Can you condense the text into a few key points?

Just confused on the best way to bring it up to her that while I am happy in our six month relationship that we have I'm not ready to move in together. She is talking about wanting to move away for her masters (which I support entirely) and wants me to go with her. For me that is a great fantasy but I'm not sure if I'm there yet. I just want to make sure that I am ready to do this next step before we actually do it. 

She has her reasons for moving out. 1) her family is making life crazy and well that's it. But I don't find her fiscally responsible I mean she lives at home and doesn't pay rent and I am still giving her money for gas between her pay checks. I don't want to be in a position where I am constantly broke because I have to pick up someone else's slack whoever it is.
<bot>: how do I politely tell my girl friend that while I'm happy with our relationship I don't want to live with her yet?