Confused. Advice please on marriage.?

I've been dating my current girlfriend going on three years now. Needless to say, I love her dearly, and we get along just fine. I bought and engagement ring last year---I know it's taboo and a little tacky, but she was with me. Anywho, I'm confused as to what course of action to take next. I have a job... show more I've been dating my current girlfriend going on three years now. Needless to say, I love her dearly, and we get along just fine. I bought and engagement ring last year---I know it's taboo and a little tacky, but she was with me. Anywho, I'm confused as to what course of action to take next. I have a job (teacher) and though the pay is not great, it's money. She doesn't complain about the career, even though I'm planning on opening up a non profit soon. But, not to digress, the problem is she has made it clear that she does not want to live in an apartment when she get married ( I live in one---by myself); she wants a house. I don't have the best credit, and I'm still paying off school loans, credit cards, and so forth. On top of that, she wants a dream wedding. As much as I want to give her these things, there is noway that I can make it happen now. The sad part about all this is that people are starting to ask the question, "So, how long have ya'll been dating?" followed by the inevitable question sure to come out, "So, when are you going to pop the question?" The issue is that all this is making me seem like I don't want to marry her after dating her going on 2 and a half years. I do. I've spoken to a few people about this, and they all give me the same answer. They tell me not to wait, there is no such thing as a "perfect", ideal situation or opportunity. They also tell me that it's normal, more often than not, for newlyweds to struggle, but they have each other. Don't get me wrong, I'm not saying don't be wise, but I just don't think I can be the man that's going to be able to get all this in the "It's time time frame." How in the world can I get her to see this? I hate to say it like this, but it gets frustrating seeing my friend girls and other couples who get this, going down to the courthouse and getting married wouldn't bother them. It doesn't help that I've been practicing sex after marriage and celibacy, which has been extremely difficult because I haven't had none in it feels like ages. I feel like I'm wasting my time and that I'm just waiting for the inevitable to happen, which is a continued stale mate. I'm ready to get this done. I don't care if its in a Vegas chapel, as long as I can spend the rest of my life with the woman I love, start a family, and be with her come hell or high water. Will she ever see things like me? Am I wasting her time?
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