For many people in our age bracket (I am 46), who have raised children, had lives, etc. marriage is not so important anymore. I know, for me, that I am financially (semi) secure, able to provide for my son, take out the trash, do small household repairs, etc. So, to me, marriage would not be so important anymore. Commitment, love, shared values, those are the keystones to me.
That being said, if you truly want to be married, then realize that this may not be the man for you. I understand, at our age, the concerns of retirement security and the need to sometimes put off things in the interest of financial security. But, if your man cannot speak of the possibility of marriage it does not bode well for the future that you envision. Giving excuses, citing the approval of grown children, problems to work out, etc. all point to a man who does not want to get married. So, does he just not want to married again, period? Or does he just not want to be married to you? That is one of the questions you must ask.
Following is a link to Dr. Tracy's website - she no longer publishes a column, but her library contains several articles that are thought provoking. http://www.loveadvice.com/LIBRARY.HTM
I don't understand your comment - "I should not fix something that is not broken". Your relationship does sound broken. Two people with entirely different end goals in mind, is not a "fixed" relationship. A woman whose heart I can hear breaking as I read her words, is not "fixed".
Maybe it is time to step back, separate households, and re-evaluate. You deserve to be with a man who loves you and shares your values. You deserve not to have your self esteem battered every time this man is unable to utter the word marriage. You deserve so much more.
Good Luck
God Bless