waiting too long for proposal?

Hi everyone, I'm new here and just wanted some advice about my situation.. thanks for reading!!! We're both 29..met when we were 26 Met a guy online - he was the first one he met after signing up and he was maybe my 8th date. We set it off on the first date, maybe went a bit too far but not all the way. Next few days he talked about just wanting to have fun and nothing serious. I was obviously in it for serious. He dated another girl from the website after he went out with me and we already slept together, also. After that, I gave him an ultimatum. He said he just broke off with his gf who he was with only for a few months and wasn't ready. But after my ultimatum he agreed to go steady (i.e. not date anyone else). He went to see his ex a month into our dating. Lied about it and I found out many months later, was obviously upset. He said he just wanted closure - they went to a ballet concert together! However he said they didn't see each other again after that although she wanted to see him again? Who knows if he is telling the truth. Anyway fast forward, everything has been great since then, we have met parents, lived together for a year (as my job was near his then), now live separately 3 hrs away from each other. Now it's been 3 years +, and I have had 'the talk' already about what's the plan.....his initial response was..he wasn't ready for marriage, not really thinking about it at the moment.... I was devasatated. Now all my family and his family saying it's time blabla...... But he's still not done anything. I feel like I keep pressuring him too. Now I'm 29... He says it's because he is looking for a better job nearer to me, wants to be more financially stable etc... And now he's loaning his brother 10,000 dollars! I don't know.. We get along great we hardly fight but.... why is he not proposing? Now he's saying yes yes a plan is in place, but i highly doubt it. He keeps saying he has no time to get a ring. But all his free time, he's watching movies and playing computer games. What should I do? Obviously I think I also have self esteem issues and that I can't meet guys easily - thus the online dating previously. So he's great and everything, but what's missing?

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