<prompt> Human: Hey folks. So the TL;DR is that Ive been dating my girlfriend for a few years and I want to buy an engagement ring, but dont know how I should pay for it. Using the following factors, please give me some advice:--I have no government debt, but have borrowed money from a family member to finance my grad school. I owe him approx. 30k, and we have not discussed terms of repayment yet, though I imagine it can be over a few years.--I have a job lined up post-graduation with an income of 60k.--All of the money in my bank account now is spoken for between tuition, living expenses, etc., that is, the ring is not currently factored in to the equation.--For reasons Id rather not get into, I will not be asking any family member for financial help with the ring. --I would prefer to get the ring in the next few months and propose before graduation, rather than wait an extra few months until my income begins. She is uprooting her life for me to take this job, just like she did for grad school and I want to show tangible commitment.--I highly doubt I could get an advance of any sort from my job.--I have three credit cards, and my credit score hovers around 780.--Im not planning to go all-out, but I would like a respectable ring: 4-8k seems to be my approximate range.With all that said, how would someone like me go about affording a ring? Thanks in advance, Reddit!  <response>: Have you discussed this with your gf? She may want input into this. In any case I would strongly discourage debt for an engagement ring. Lets be blunt it is a pure luxury, and has a crazy immediate depreciation rate. Until you can pay cash I would encourage you to select a simple band for now. 