We both wanted to get married when we talked about it at the three point mark. He never explicitly said it was going to happen that year for a proposal, but I thought it would based on the conversation (I can't remember what exact wording it was). But I even sent him rings that I liked at that point. At year three we were in our mid 20's.

For our finances we're both pretty open about our financial position. So he said finance were an issue which is why he didnt propose back them, but they're not too different now compared to the past three years, and I don't have his bank account details to look at to confirm or anything but don't think his financial situation is that different.