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Real talk: what's a reasonable amount to spend on an engagement ring with a salary of 90k?

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$0.00

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I would ask your (potential) fiancée what she wants; my husband and I make over $350k and my engagement ring cost $500. It's beautiful, I love it, we always get complimented on it, and we will be a few years closer to retirement by ignoring the '3 months salary' rule.

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Ok, I'll be devil's advocate and say what no one has said yet. Anything less than 1 carat is embarrassing. There are of course people who can't even afford a diamond, but for people who know you, and depending on your guys lifestyle, unless you're like lower middle class, I wouldn't get anything smaller than 1 carat. If that's your "size criteria", a lot of other factors can be toggled to adjust price. For example, clarity is not that important. And stones with small internal blemishes will be cheaper but literally no one will ever see it because no one will make her take her ring off to examine it that closely. Cut also may not matter much depending on the setting (eg if you have a halo, cut almost doesn't matter at all). And you can go middle of the road for colour (I.e. Not the yellowest but not the whitest).

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@ACN2 that's outdated. OP: it's not just your salary that should drive that decision. It's your current savings level plus your salary that should get you to a ring budget you're comfortable with. Also please please have a frank conversation with your future fiancé about what she wants in a ring. Stone size/shape, setting style AND your budget.

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Whatever you feel comfortable paying. My fiancé makes about $120k a year but he has a decent amount of loans from pharmacy school. I didn't want him paying the 3 month rule amount (which is ridiculous btw). My ring cost $10k and I am paying 1/3 of it. We could have spent more but I'd rather save that extra money for a house.

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I may be in a minority of women but I just do not understand shelling out what would be a house on a ring. Find a jeweler you trust work with them to pick out a setting your gf will love and wait for someone to return a badass ring so you get the perfect stone for a lower price and/or a diamond made in a lab. If she isn't an absolute diva I think any woman would be happy. Just make sure she is on board with the cut of the ring i.e. Princess cut is square or Solitaire round.

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Spend what you can adored and what feels reasonable. I don't buy the 3 month rule, especially when you're making $100k+

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Depends how long you want to married for. 20k and it's been 11 years lol. jK

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The rule is atleast 3 times ur net monthly salary

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💩

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$90k

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I'm in the same boat OW. I kinda know what she wants but that is specific to the ring design. The stone is the expensive part here and I'm not sure what the budget should be. I've saved up 10k for it but am not sure if a stone is worth it

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And yes definitely have a conversation about it with your girlfriend. That way you are both on the same page about cost, ring details, etc.

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If you shop on blue Nile, you can see the certificate for each rock that goes into a LOT of detail on all of these factors.

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You can and should also check if your fiancée cares if it is a diamond; my ring is 'big' but it's a sapphire so we saved a bunch. You can get yellow sapphires so pale they almost look like diamonds, or just go for a colored gemstone in general. I think it makes it more special that it doesn't look just like everyone else's ring:

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* afford

5K

15K - you should have that lying around

I want out of this thread! 😒

Why anyone would spend more than 4-5k is beyond me... Especially when divorce rate is ~50% 😁

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