If you know in your heart that this man would not be the one for you, then you need to let him know. Simply tell him you like his company, but do not have romantic interests. From what you say, he has some emotional and financial work to do. You've described some red flags, which should be an indication to end the relationship. If he's making a decision to give up his Saturday night shift, then he's VERY serious about you.
Remember, it's important to know what you want, and end the relationship in two dates or less. Otherwise, there gets to be an emotional attachment that is not healthy and hard to let go of. I think you know in your heart you should have stopped dating this person awhile ago.
Could being financially stable (not rich), but stable, be on of the items on your 10 needs list? That's not an unrealistic expectation.
