Where did you get the courage

Hi! I (24f) have an almost 5-year relationship with my same-age boyfriend. I will make this post short because I have so many things to say, but I don't have the energy to discuss it...

So, we have been through a lot, a lot of fights and a lot of crying, but we are also making a lovely couple. We both imagine the same future, still study and want to settle at the same age and travel. Blah blah blah... And that is the issue; there are many reasons to break up with him, but there are also many reasons not to.

Sometimes, I feel the breakup is unavoidable. But I don't have anyone in my life other than him. I don't know how I will cope with the money afterwards if I can handle two part-time jobs while I study, what it will be like living alone in a new city, but most importantly, what if it will be the worst decision of my life??? What if we are meant to be, but we are just young and stupid?

How do you know when it's the time? I have been thinking about the breakup for years (yes, he knows that). Would you happen to have any insights?