Its always weird to me how guys are afraid to talk to a woman. I love women, but I love my happiness and time much more than any woman. If something is bothering me, I say it, because I'd rather lose the chick and save my own time, as well as not having to expend mental energy second guessing things.
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I'm a bit scared talking to her about this because it will put me in a lower position (me initiating 'the talk')
You're afraid because you already feel unworthy of this girl. If it were me, I won't talk about, because if I'm with a chick, even if I initiate contact more, I'd know the other ways she shows she's committed. If I can't, then why am I with a chick that's doing nothing?
All this is just to say, this being afraid to tell chicks something is the definition of neediness. If you're afraid to do something you want to do or afraid to speak your mind with a chick, because you may lose her...thats neediness. Thats you needing things to work. Thats you being willing to stifle yourself for her presence.
But....you probably cant just be honest because you're coming from a bad place. You like this chick for no real reason. You think she's the prize. So being honest just exposes you want commitment from a chick who has done nothing to deserve it. Instead of trying to play distant, sort out whats driving your investment. Why is she worth a relationship or to be taken seriously? Not because of her apartment or she's cute...for once I'd like to hear guys here actually sound like they're after women who bring more than pussy to the table. Its like no one has women doing things to win them over or be nice to them. If I have a "talk" with a woman about being serious, its like giving them a medal at the end of a finish line. They've worked for it and they're happy. Its not needy, I'm not afraid, because she's put in the work. If you're afraid, its like offering a job to someone who didnt interview for the position...you just are so desperate to fill the role that you dont require anything for someone to be taken seriously. So really think on what this woman does to deserve commitment.