I’m terrified of breaking up with my boyfriend

So he and I have been dating for 3 years, he’s 27 and I’m 20. So there’s a lot of reasons to me seeing myself ending it, mostly because there’s no passion in the relationship, no drive for him to progress his life when I’m trying to progress my life, no physical affection only when I ask. There’s a lot, I made a post stating all these things in this:

I feel like nothing to my boyfriend

My problem is that we were planning to move in together. I have a low income job, and I live with my dad. I’m trying to change my situation but a BIG part of moving out would be having my boyfriend with me. I can’t move out on my own, I barely have enough money and supplies to support half of the rent and everything if I did move in with him. So on my own wouldn’t be an option for me. And not to mention he’s my biggest support in my life, I have no family left and my friends wouldn’t really help if something happened. So there’s a lot of downfalls if I broke up with up, and I don’t see any upsides to breaking up in my current situation other than a situation change and maybe another better partner in the future?

So I need some help, questions are welcome and I’m just very confused right now.