Could it be the cost of the wedding in general that he's afraid of paying off? Bills are really hard to overcome, it takes most people more years then they can remember trying to pay them off. So I respect the fact that he doesn't want to get further into debt. Ok so we are all women, yes we all want a beautiful ring on our fingers but I think at the end of the day we just want the man, men don't understand that, they have been told all these years that girls are all about the bling.. So he is probably feeling overwhelmed with the whole ring/wedding. I'd approach him at a different angle, maybe ask him "how do you see us in 5 years", "if we were to get married, what would you invision it to be like". I'm sure you know how to pry information out of him without being over powering, but don't backdown because you don't like when he doesn't answer. If marriage is important to you, it also needs to be important to him. Did you mention to him about maybe just buying a couple wedding bands and go elope somewhere and then 5-10 years down the road do a more "Traditional vow renewal"?