Financial reasons make sense, definitely. Weddings can get quite expensive, even small ones.

Personally, I don’t see how being engaged can be scary when you’ve willingly had a child with this person already lol.

Still, I think I’d actually be completely honest in this case. I’d probably confess to knowing her plan and explain why I wasn’t ready and that I’d like to wait a few more years.

Or, you can both discuss having a long engagement, if you’re willing to say yes. Personally, I’m a fan of long engagements, but I know some ppl aren’t.