People are ready for different things at different times in life and there is no right or wrong, but there IS compatibility. If moving in with a boyfriend is a deal breaker for your girlfriend (you mentioned negative consequences if you don’t agree), then you’re not compatible and the relationship has run it’s course.
You’re very self aware and your feelings are age appropriate. Trust your instincts and take care of yourself here. If you’re with the right woman at the right time, you’ll both be on the same page.
I hope that helps. [url]