Millennials have it harder than most people think, we are the most indebted generation when you take into account student debt which has surpassed the GDP of most industrial nations. When you take in the national debt per US citizen, you are looking at $76k roughly.

Additionally, depending on what college you attend, they will try and sell you this concept that their job placement post graduation is somewhere near the high eighties, but what economists are showing is that millennials don't just lack some of the substantive skills to compete in the market, but they also will also break the regular job pattern that their parents had (meaning you work at the same 9 to 5 for thirty years until retirement) with some pundits going as far as to say millennials will have "four to five" career changes before hitting the age of retirement (don't think Social Security will be around for you either).

Recruiters will say college is the time to find yourself, but the real world truth is you will always find yourself. From the day you are born you are constantly changing as a person, even after college you're going to change. You may think you're reaching some finish line when you're close to graduation but the thing is it is simply the end of one chapter and onto another.

Trust me, you don't know pain until you have to pay real world adult income taxes.

There isn't anything cute about being a married undergrad still barely out of their teens living off their parents. Marriage is difficult, and simply playing house while in school with a person you really like is going to become difficult when you both have to figure out whose career matters more. "Well we'll both value our careers dude", that is bullshit, someone is going to have to sacrifice and it certainly isn't going to be the person with the lower take home pay.

Graduate, get a job, understand what true independence is, and pay your debt and loans. Then once you are a comfortable, independent human being, you can they take responsibility over another person.

Oh, and if you're boyfriend/fiancee had to take a loan or ask for money to pay for your engagement ring instead of working to pay it in full himself, break up with him.

Fellas, if you love her you'll get your crap together before weighing her down.

Marriage is a commitment, not a benchmark you have to get to or a level in a game you have to beat.

The only "ring by spring" anyone should be concerned with is a college alumni ring.