<prompt> Human: Ill try to keep it as simple as possible. Im a 23 year old student who currently has about 16,000 in savings. I wont graduate for another 2.5 years, and I wont be making any money at all until then but my student loans will cover all of my expenses. It is very difficult to accurately gauge how much I will make after graduation, but for the first fiew years most of those earnings will go towards paying off my 350,000 student loans.My girlfriend is working currently and has a more substantial savings. She is willing to contribute to the ring to ensure she gets what she really wants; but she obviously also expects a generous contribution from me as well. Im just not sure what the most financially wise decision is.What suggestions would you make?Edit: I am a dental student, and dentists in private practice typically make around 250k in my area; job prospects are good.  <response>: Buy an inexpensive promise ring for now.Buy the fancy-pants engagement ring when youre rolling in the cash. 