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Rules of engagement

The New-Fashioned Rules of Engagement

Lately our lovebird friends have been customizing their engagements. Saying good-bye to the Tinder years doesn’t have to mean getting down on bended knee. Or faking a squeal like someone on The Bachelor. And engagement rings are not just conservative diamond solitaires anymore. Some are custom. Some are vintage. Some may even be 3D-printed.

And these rings don’t all cost exactly two months’ salary. That curious custom was an adman’s effort to drive up prices and make 1980s suitors feel cheap if they didn’t hand over whole paychecks for diamonds.

At Earnest, we don’t think life’s most important jewelry purchase should require cash advances, extortionate credit card debt, or the services of loan sharks.

Buying a ring is an investment in a shared future. It’s also a chapter in a love story. And a love story is not a business plan.

Rules of engagement

We believe in keeping stress low during a time of big expenses—and enjoying the ride. Earnest’s simple, low-interest personal loans (for rings, weddings, honeymoons) are built so our responsible clients qualify on the basis of their limitless potential. Our clients turn to us to support their life goals: pay off their student loans, furnish their houses, and buy that beautiful ring.

Clarity about money is also important to us at Earnest. Take it from the experts: Marriages work best if you stay transparent about money and financial goals. As one family lawyer put it recently, “Maintain some mystery in your relationship, but not where your values about money are concerned.

Pro-tip from our married friends: Save it for the honeymoon. Who needs solid-gold place cards at the wedding and a live appearance by Taylor Swift? Earnest loans cover travel anywhere: Think surfing in Costa Rica, sailing on the Amalfi Coast, a tour of Angkor Wat.

After swiping through all those Tinder dates—and finally finding the one—you’ve earned it.

Disclaimer: This blog post provides personal finance educational information, and it is not intended to provide legal, financial, or tax advice.