My boyfriend has an AA degree and a minimum wage job. I love him, but it's not the type of life I want for myself & a family. What should I do?

I’ve been dating this guy for almost a year and have been thinking about our relationship in the long term.

I’ve always been supported and encouraged by my parents to work hard, get an education, and achieve my dreams. My parents are part of the true middle class. We’re not wealthy BY FAR, but we’ve always been able to afford nice things and live a stable lifestyle. I would like myself and my future family to grow up in a similar environment. I’m 18 and plan on getting at least a master’s degree. I'm a very goal-oriented and motivated person.

My boyfriend is wonderful, but our future worries me. He’s almost 22 and only has his AA degree. He’s been out of school for the past couple of years and been working a minimum wage job. He had a hard life growing up and has no family members to help him out and his mom always asks him for money for medicine. He isn’t in debt and has all the essentials, but he basically lives paycheck to paycheck. He doesn’t have a car because he wouldn’t be able to afford the insurance. I think he would ideally like to go back to school some time so he can get a higher paying job, but it seems like this goal keeps getting pushed back farther and farther. He also doesn’t have any real goals for the future and is happy with living in the moment.

I love him a lot, but I don’t know what to do. Is this something that I’m supposed to wait out and hope it improves? Or is this even something to end our relationship over? I haven’t had to struggle financially and I don’t want my future family to. I see this going one of two ways: One, we break up eventually because he can’t help provide for the type of life I want us & future family to have. Two, I stay with him out of love though we will live a less privileged life. What would you do?
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Thank you all so much for your answers! I didn't expect everyone to be this nice and understanding. You've given me a lot to think about.
My boyfriend has an AA degree and a minimum wage job. I love him, but it's not the type of life I want for myself & a family. What should I do?
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