Blinder only has 120k saved up, can't propose to their girlfriend.

So my girlfriend wants me to propose, saying it’s time we get engaged and try living together. And then get married by end of next year. I am 26, she is 24 and we have been together for 4 years. I said I am no where near enough secure yet, and I want to get married by 29 - 30 and get engaged at 28.

I started working only about 2.5 years ago and I’m located in Chicago, and have trouble saving barely right now. Also my girlfriend doesn’t make much, around 60k, and said we can move in to the my place and she will pick up bills such as vacations and other fun expenses while I continue to pay for main expenses due to salary disparity.

My financials currently are:
120k cash saved
0 debt
10k in 401k
$2-3.5k monthly costs

Can I somehow make this move or am I right I am no where close enough to make this move yet. I also wanted to save an try to FIRE for myself, but she said I am over doing it and to stop worrying about money.

What do y’all think?

TC: 160k
YOE: 2.5