I'm shocked that in 4 yrs. he never told you once that he loves you (major red flag)!
I don't think he is ready for a committment yet. You have a natural intuition that you should listen to and yes, your biological clock is ticking fast, so have a talk with him and ask him where does he see the relationship in 5 years. If he is unable to answer it, time to re-evaluate the relationship that has reached a dead end. Good Luck, Judy
yes you are wasting your time, if he has not said lets tie the knot by now he never will
He is just making excuses luck jo.
I had a boyfriend who always used to say, "... Love isn't what you say; it's what you do." And, I would have to agree, it's true.
But, it sure lifts the soul to hear it... as it's an affirmation of a deep inner feeling, a connection, a "oneness." We all need to hear it. And, 4 years is way too long of a time without some sort of commitment... let alone never hearing those heart-warming words... "I Love You."
Perhaps, he's emotionally stifled in this respect. Maybe he can feel it; but can't bring himself to say it. There are many people who struggle with those words.
Then, there's marriage or the avoidance of it... some people can't bring themselves to "lock the deal." Usually, it's out of fear of making a major mistake... you did mention that "panic" that you sensed in him whenever the topic of a "future" together comes up.
So, where does all of this leave you? Well, with no prospect of marriage, no "I Love Yous" and a diminished "spark" ...not in a very secure position.
Are you "... wasting [your] time?" you ask. Perhaps, vital "biological time clock" time. Possibly, emotional involvement time as well. But, I sense that you've compromised too much in this relationship. Don't give up your dreams and do what's right for you.