Questions: Guy's Behavior

This is my gfs account I found her stuff on here and want to ask these questions

My girlfriend who is turning 30 next month asked me when I am going to propose and I told her not for another 5 years and she said thats too long and that we've been together 4 years. I told her that I want to have everything together mentally and money wise before that happens and she says she can't wait that long because of her biological timeline. I understand but she needs to understand that i need money before we have a kid and a stable house. She said that she wants me to propose next year or go to fertility appointments. I told her I dont see the purpose in getting her a engagement ring because you get married soon after and I want it to be special and not a memory of oh we were so broke and poor. I want to give her a amazing wedding and honey moon and she said she would do court house and camping. But I am not mentally prepared or ready for kids or marriage and I told her I already call her my wife to other people so I dont see the point. She says im being selfish and that im throwing her chance of motherhood away because im uncomfortable. I told her I would give her a kid first because I want it too badly but I need to be stable. What do you think i should do or say to her