text: What does your fiancé think? - would be my main question here. Unless my fiancé was made of money, I would be extremely disappointed if he spent any significant amount of it on an item of purely symbolic value such as an engagement ring. I was much more impressed with the fact that my husband owned a home and managed his money well. But some women would rather see their husband-to-be in debt, and have a huge rock on their finger; so, it all depends.