long engagements arent a bad thing. you've definitely got your head on straight thinking about finances, feasiblity, and living together. rushing into marriage without giving thought to important issues is a very detrimental thing to a relationship, and three years is a good time period to work out all the kinks and get to know each other before getting married especially since you have been together for a relatively short time. i say good luck to ya and forget those people who have a problem with the 3 year engagement.
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*yawn*
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