person A: I love my girlfriend a lot_comma_ we have been dating for almost 3 years now!
person B: That's wonderful!  Are you thinking of proposing?
person A: maybe_comma_ we are not really set financially yet is all
person B: That's a good thing to be financially prepared_comma_ trust me.  My husband and I spent most of the money we had on a honeymoon and then struggled for years doing things the wrong way. You're smart!