Are we wasting our time?

So ive been with my boyfriend for 3 years. We broke up last year for about 7 months. He is an amazing guy, very loving and supportive boyfriend, but there are a lot of "red flags". ( reason i broke up w him last year). He is just VERY irresponsible, owes everyone money, is in MAJOR debt and doesn't care about his health ( eats ice cream for dinner, doesnt ever wanna see doctor, watches tv for hours and hours). I just moved back to my hometown after living with him in LA ( had some family issues i had to come home for). He wants to get married and have kids. Like now. He is so not ready. I am in a rut. i am 27 and he is 30, I feel like my clock is ticking and I may be wasting my time. But, on the other hand, I love him and he is very very good to me. I dont have plans to move back to LA any time soon, and he will not come here. So we are long distance. UGH! Advice??? I don't want to hurt him, he's very sensitive.

Yes, you are absolutely wasting each others time. You don't respect him as he is and neither one of you is willing to move. It's done.