How to let a guy down easy?

I met this guy several weeks ago and he is very nice but he has no job and no car to pursue further the relationship he is in his 30s and lives back with his parents. I do not think it will work out because we are on two different levels of life i am 25. He is finishing college but i just think it’s going to take him a long time to get where he needs to be and i just don’t think dating is one of them right now. I rather for him to focus on his career and for us to be friends. He had places and cars in the past but lost the do to relationships i believe. He has no kids (thank God) but he is very behind in life. Am i being shallow?
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I just do not want to be stuck paying for stuff if we start a relationship
How to let a guy down easy?
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