Search Results: boyfriend never says cute things

I met a guy before summer began this year at a friend's party. I was initially attracted to him but didn't want to let him know, I knew though that he was interested from the start and eventually he got my number and we started talking and texting. We spent most summer talking but I wasn't sure I wanted a relationship since we had only met once. Plus he is four years older than me and I have never been in a relationship before.

I met him again once I went back to school (he lives in the town my school is at) and went on a couple of dates, where he didn't try anything on me. Eventually I decided to see where things were going to go because I saw he was a great guy. He gave me lots of attention and was respectful, did a lot of cute things for me. He's very romantic and sweet. We talked and got to know each other more. But never really entered a relationship.

Now though he is asking for one, and I want to say yes because I need to put a name to what we have. It's gotten to the point where I think I love him. However, there are things that are keeping me from saying yes, like the fact that I want to finish college, go to grad school, get a job, get a house etc, whereas he is just working and hasn't finished school. He doesn't seem to give that much attention to the fact that I have school work I need to worry about either. He is thinking about kids already, where as I am not thinking about that yet and I don't think I want to have any. He wants to meet my parents and I'm not sure if I am on that step yet...specially since I'm not sure how my dad would react to it specially since I've never had a boyfriend and he's a lot older than me. He also drinks and I don't do any of that stuff but I'm OK with him doing it. He also has told me he used to be a man whore, whereas I am very calm and not very flirtatious. The man whore thing bothers me because I sometimes wonder how many girls he has tried the things he says to me, since he always says the right things. And initially he said he was "confident" he was going to get me (I didn't make it easy for him either way). I'm what some people might consider, "innocent".

If you were me, what would you think in this situation? Should I say yes or no? If no, how should I go about telling him this?