hey guys, want some advise relating to issue i have been facing ..

There is a girl . We have been friend since we were 17 years old (now 23 years old)
I expressed my feelings for her back then .. she was not too sure (i think) back then but rather neutral .. (sometimes i think she was not so sure about me and my plans for future and how successful will i be in life) .. she was my dream girl all the time .. i was too serious for her.
Anyways time flew, now at 23 years of age, we are here. i m pursuing studies along with professional training.
we started to have chat after long time. and long chats indeed . soon she got too interested . my life long dream was coming true .
But at this very age, i faced behavioral changes owing to responsibilities of life and economic and socio factors that comes naturally with age. Now i have new life to start in front of me . i am getting mature.

But she, now after all these years i had been waiting for here, is willing to enter into relationship with me ( atleast how its look like to me )
But i didn't want to keep her under any wrong impressions or lame promises (i can understand the feeling of that as i had to wait for all these times for her) and so i didn't answered this time positively to her (even when she offered me her number)
as i think i will not be able to provide the time and attention to her as i was in position n enthusiast to offer her at age of 17.
so that she is free and not there waiting for me as i had to wait for her once
I Think it's okay to hurt her for time being rather than to hurt her a lot more with pain of rejection as she did once to me .
for Time being, i acted like a normal person to her and didn't pass on any sign of interest to her.
She soon got back implying the meaning of that.

Am i Doing right ?