I would have a conversation with him about it. Let him know how you are feeling.

I think you should have "the talk".

Ask him if he's fishing or just cuttin' bait...

Could be any of those reasons. He’s really the only person who can tell you.

Do you want to marry him? If so, tell him that he needs to ask you, properly. If he can't do that or he's not sure, after 3 years, if it's not hell yes then it's hell no.

Some men prefer to be financially stable first.