What would you think if you were in this situation?

2 yr relationship 1.5 yrs living together....both previously divorced....His clothes, TV, Tools, 4-wheeler all at our house...but he doesn't receive his mail there it still goes to his parents house. Working on saving money for a trip this summer with the kids....the money being saved is in a sock drawer rather than a savings account with both out names on it. Talk of marriage? I get...he is afraid to put himself out there again..he says fear of abandonment because of what his ex-wife did. He isn't ready for marriage. ok, fine..... but, not ready to receive mail at our house? Not ready to open a savings SAVINGS account (not checking) together? He wants us to pay off his car next year and buy an SUV that will more accommodating. Talks about buying a house together someday, moving to warmer weather, buying a motorcycle in a couple years. I am confused!!! Any advice???