Been dating my SO (25F) for five years and it has been awesome. Both her and our families have been starting to hint at marriage happening soon, especially since she is turning 26 in a year and will be kicked off her parent's health insurance. My biggest hesitation is that she isn't financially future planning. 

I (25M) personally am super money frugal and plan for the future way more than I probably should (maxing out 401k/HSA each year, portion of paychecks into savings, etc.). My biggest two future worries are that I will run out of money when I retire and having a SO that would potentially turn into a money drain (too many family friends have made this a scary thought for me).

My SO has been working at part-time/temporary jobs since graduating college, and none have ever had any 401k/retirement saving initiative or match. As a result, she has never opened up a 401k or even a savings account. Every time I bring it up, it is a touchy topic (she complains she doesn't make as much as me so it isn't as easy). Where it hurts me a lot is that when she does have a good amount of money laying around, she ends up treating herself to something new (new laptop, loads of new makeup, etc.).

While I don't think she would ever be a money drain, I still worry about the future and having to be able to support two people with only my contributions. Majorly worried if I ever hit issue #1 and run out of money while retired. Seeing prices increase so quickly makes me worry too.

I love her a lot but I want as stress-less of a future as I can get after retirement. Maybe I'm over thinking a lot of this. AITA for feeling this way?