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Should I feel bad that I can't afford a ring for my fiancee?

I've tried but I can't.
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Many have bought their intended a simple band (and/or a band with a small diamond). Then as time passes and you become more affluent, you can surprise her on Valentine's Day or your anniversary with a MUCH LARGER rock.

Then again, you may find over time that jewelry just isn't her thing..... rare, but happens..