That's a really tough situation. You need to sit her down and tell her you need to have a talk about your future.
Just be honest with her. Tell her that she has experienced so much of life, and that you haven't had a chance to yet. Tell her you love her, but you are not ready for kids and marriage, and so you have to let her go... Tell her that you probably will be ready in time, but it may be too late for her, and you don't want to hold her back. That the only reason you let this go on so long was out of love for her, and wanting to protect her.
Tell her that even though this is coming from you, it's breaking your heart too, and that she won't be an easy woman to get over.
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