How do I talk about moving in together with my boyfriend, whose comfortable living with parents?

I have a major problem that might hurt my relationship with my boyfriend. We’ve been together over 2 years, and i practically live at his parents house, even with my own toothbrush there. Ive seen his nitty gritty, he’s seen mine. But when I tell him that I find it hard to not live in OUR OWN PLACE together, not his parents, he thinks I’m being crazy and needy! I hate being at his parents house, with a 10 year old kid breathing down our shoulders every minute, and no privacy what so ever. I don’t feel comfortable there because its not my own house and I cant do what ever I want there. When I ask him to come over my place, he never wants to. It’s more convenient for me to go over his place, of course! ):<

The only thing that would prevent us from getting a place is money, but even though, I’m pretty sure he has enough money to get his own small small place with me while me and him finish our degrees at college and get our masters so we can get our careers. But he thinks im being a gold digger by even daring to ask him to use his money to get a place (even though he wastes all his money on FOOD and GAMES and nothing BUT, since he has no bills to pay at mommies and daddies).

I think me and him are ready to move in together, and actually, we might NEED it. I know some people think that moving in together causes a couple to dislike each other and argue more, but we’ve been living together already with no problems (except for THIS one!) only thing is its his parents house!!! Of course, we have our bickers, but we do also love each others company, it makes our day so much better when we spend it with one another.

I don’t know how to talk about this with him, it seems like he is just so afraid of this because he thinks we might become THAT couple who argue every day and are miserable in each others company. Any advice,input, personal experience stories, and the such that could help I would love. BUT PLEASE, keep it polite!!!!!

Thanks for reading, I’m sorry this is so long but I felt it necessary for everything to be said.