How do you know when it's time to end a relationship?

My boyfriend and l have dated for 2 years. We both have been married before. His spouse passed away. I got divorced.
We have talked about getting married but that is as far as it has gone. He says one day, but he isn’t ready.
I don’t understand the hold up. The reason he gives is because he was married for so long before.
Am I wasting my time in this realtionship? He is good to me as far as treatment goes. But I want more than just a live together realtionship.

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