Am I being negative or proactive?

My boyfriend calls me "negative" quite often because whenever he brings up an idea I tend to shoot it down.

NOW example: he wants to get a 4k loan from a family member but has no idea when he could pay it back. I asked when he would be able to pay it back and it doesn't seem like he had even thought about it (which probably means he'll put a number out his ass). Then says that I always think bad about his idea

I'm simply thinking of the possible outcomes. Or risk management to see if that plan would meet the deadline he sets.
I've simply witnessed too many situations that could've been avoided if a plan was more thought out. I try to be proactive but he likes to be reactive.
Am I being negative or proactive?
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