He hasn't been great with money in the past but has learned how to budget better.
He's offered to pay rent to you if he moves in but here's the catch: He pays you less than his normal rent; takes the difference and puts the extra in a savings account for "us" to spend on trips and other things we may need for the house.
He doesn't have much of a safety net other than the modest savings account above that he adds a few dollars to but says once he moves in he'll be able to save more b/c he is paying you several hundred less than his rent. BTW, the amount he's offered is only about 20% of the household expenses.
While you really love him, the "situation" causes great stress and you don't see the relationship growing if you both live separate and apart.
Do you break it off and then really regret it? You have taken some breaks in the past and while at first it is a relief not to worry about this type of thing, you really missed each other and got back together.