<prompt> Human: Hi PF. Long time lurker here. As the title says, I am trying to figure out how to afford an engagement ring for my girlfriend without destroying my emergency fund or credit. I have about 10K saved up in an emergency fund which I have also considered my ring fund as well. I have no credit card debt no student loans. I made 50K last year and will likely double that this year. I work in sales so I typically only budget my base salary and stow my commissions away into my savings, after contributing 7 to my employers 401k. I dont want to dwindle my entire emergency fund Ive worked so hard to build up and I also dont want to have an extremely large amount of credit card debt Im paying interest on. Anyone have a similar situation on what to budget, if financing is worthwhile, or anything? Thanks in advance. EDIT: Just so everyone knows, I do not intend on spending 10K on the ring. I was ballparking half for the ring.  <response>: You dont get a ring that will kill you. If you guys are in love, a ring is garbage in comparison. Love with your heart, use your head for everything else. 