<prompt> Human: Hello all,Like the title says, not sure if I can ask this here. Looking for some second opinions and advice.Looking to get engaged but obviously Im a little short on the 7k-ish price point. I was wondering what would be a better option... Financing through the jeweler and paying it off through them usually have something like 12 months no interest deal. Or do I get a loan from my bank and pay off the ring on the spot but then pay the loan off, hopefully at a longer finance period. Or I was thinking, Finance through the jeweler...pay out of pocket for the no interest year...then take out a loan from the bank for an obvious smaller amount and then pay off the remainder with the bank loan...then pay off the bank loan. I dont mind paying the debt because I have a set steady income but I dont want to get wrecked with interest. I know Id have to find out APRs and interest rates as well.Any advice is much appreciated and if this isnt the correct place, Id love to be directed to the correct subreddit.Thanks!!Assistant: dont fianace it. Why do you need a 7k ring? The whole diamond industry standard of 3 months or you obviously dont love her enough sales pitch?find out what you can afford, save that amount, buy said ring. If she is going to say no bc you got a ring that you could afford, then maybe that is just you lucking out early. Human: The 7k about what I make in 3 months thats why I set my price at 7k. But for some reason... Its hard to save up 7k in 3 months without being left with McDonalds money in my accounts.Assistant: You do realize that the whole 3 months salary was a guideline created by the people who sell diamonds, right? I mean, I dabble in paintings, and if I had an ad executive who could convince people to pay me 3 months of their salary for every painting I sold, Id be SUPER friggin happy.Human: lol well I mean I know its not a rule but it was a good guide the only guide I had to go off of.  <response>: Its a totally fabricated guide based only on maximizing profits for diamond companies. So dont use it.Even better than spending a shit ton of money on a ring is finding out if you can what style she likes. Round cut, princess cut, etc. One solitary diamond, or flanked by two others on the side. Yellow gold, white gold, platinum. Once you know what youre looking for, you WILL be amazed at just how many rings can fit the bill, and the wide price range they fall under. There are many people who wouldnt be able to tell which ring was more expensive when shown a 4000 ring and a 2000 one. Its subjective, up until you put it under a microscope. 