I've been with my gf for about 3 years now. She is a wonderful person, and the relationship has been a great thing for me overall. However, while there have been signs here and there all along, it's become especially apparent to me over the last six months or so that my gf is going nowhere in life and has no desire to. It's actually been really disappointing to me because there was a time when I sort of considered having a long term future with her. The problem is that she seems to only care about having fun in life, not actually ever working towards anything, ever having goals, growing, or really anything. Just fun. That sort of mentality is not too big of a deal when you're 20, but she's 28 now, and it doesn't seem like she's really matured at all psychologically from being a fun-loving 20 year old with no real direction in life.
She can also be very, very helpless at times. I finally got pretty upset with her once not too long ago where I had to explain to her that part of being an adult is being able to do things and figure things out on your own sometimes, not just throwing your hands in the air before you even try and ask someone else to do it for you. It's like she's never really progressed from having the mindset of a child who goes to mommy any time she has a problem. This has been especially hard for me to bear because I feel like she actually has a lot of potential; she just doesn't apply it much at all and will make excuses for not applying herself. She will say things like "I'm not good at this" before she's even tried. I have tried to correct this sort of defeatist thinking, but it doesn't seem to be having any effect.
If I am to be honest, I love her, she has been great to me, but I've been feeling more and more like I'm dating down with her, pretty far down lately since my trajectory has been upward and if anything, I think she's actually gone backwards some over the last 1.5 years. I've had probably 4 moments with her in the last 6 months where all I could think was "WTF?" over her behavior... I don't really want to be around it anymore.
I've been trying to think of how to go about it and what to say. I think we've both been sensing it's coming, so I don't actually expect it to be super dramatic. It's clear we both care about each other. I want to be honest, but I also don't want to hurt her. Given the above, what should I say?