We have been dating for nearly three years now, which is a decently long time considering our ages. Now to get to the chase I have been considering breaking up with my gf. She has been my first gf and I love her so much. She’s extremely loving, kind, affectionate, and not that this matters the most but she's gorgeous. Things have been from my inexperienced opinion mostly good throughout our relationship, but there are a couple of things that make me want to end things. 

To start out she is very irresponsible with her money. She is constantly spending money on new clothes, accessories, eating out, concerts, etc. despite complaining to me about how she’s broke and needs to save money. This leads into another issue which is she rarely pays whenever we get food, go on a date, or whatever it may be. She justifies it by saying she’s poor/broke and can’t spend the money. She also asks me to buy her things that she is fully capable of purchasing herself. I of course say no which makes her get pouty and upset. At the end of the day her money is hers, but if we got married it would be our money that she’d be blowing

Another big thing is when we’re together she’s constantly on her phone. I’ve talked to her about this several times but it hasn’t done anything and her phone usage still tarnishes the quality of the time we get to spend together. It feels really one sided though because if she notices I’m on my phone even for just a second she gets really upset. 

I’m terrified to break up with her, however. Thinking about it makes me sick to my stomach. For one I still love her so much and despite everything I’ve said I still think she’s an amazing person. Just not the person I could see myself spending the rest of my life with because of those issues. I’m also nervous of the backlash I will face from her, family, and shared friends if I do break up with her. Most importantly I’m terrified of what breaking up with her would do to her. I know fully well that it would crush her and that’s the last thing in the world that I want. 

I would really appreciate it if you guys could let me know what you think of the situation. If you think the issues I’ve brought up aren’t a big deal, maybe that they'll change as she gets older, or anything in between. Lastly, I know that no one is perfect, and I know that I am far from it. I do not want to come across as the “perfect” boyfriend.

TLDR: Thinking of breaking up with my gf due to her being irresponsible with money, constantly being glued to her phone, and an unequal relationship.