<prompt> Human: Ive been with my girlfriend for 4 years now and have wanted to propose for the past 2 years, but I have a low paying job and I am the worst at saving my money. Ive thought about taking out personal loans or a credit card to pay for a ring. My close friend is telling me that those things are best saved for necessities. So, my question is should I save or look into loans, credit card, etc?  <response>: No. You should not get married. Let your love be enough. If she loves you that will be enough for now if not for ever. There is no point to waste the money. 