my boyfriend already has our future planned out and all of this stuff. Wait let me rephrase that, we're not even going out yet. We're just really good friends and we like eachother. Well we had phone sex last night and he just told me he wants to really do it with me but I told him no because I'm not ready and we're only 14. He said he meant later as in when we are 20. What makes him think we are going to last long? He's been talking like our life is set and we are going to have a future together and stuff. I'm only 14! I don't know what I want yet! What do I tell him without being mean? I'm not even sure if he would be the guy I would settle down with.
I told him a lot can happen in 6 years and he said, "yeah our love."

HELP! what do I tell him??