What I hear is "Yes, I love you, but you don't fit the mold that I have in my mind for the perfect spouse". I'm guessing what that mold might be, and I'm thinking it is financial. Maybe she thinks she can find a boyfriend with more earning power and she will have a more comfortable life. The words you quoted all come from the book on How to let someone down easy". Or as they said on Seinfeld, "It's not you; it's me." This isn't necessarily over. She may not find anyone better, and she might find out she misses you and really does love you. And then she would come back. But the others are correct too. You should use this time to see if you can find a better girlfriend.