u/CautiousConfidence8

I got a call from "USAA" saying that a wire from my town for $4000 was attempted to be removed from my account but they had caught it and I needed to submit a fraud report. Then they wanted me to change my password to the code they read out to me. "They" sent these two texts, one which had my online ID, another was the password request. I got immediate red flags from the "change your password to this code" and hung up and called the USAA number from the website. Usaa confirmed it was a fraud call. The fake USAA guy had the last 4 of my debit card, exp date, and full name. But the real USAA guy said they had to have my social security number because they did the online ID request text. Is this true? I went ahead and submitted the fraud report with USAA and Experian. Do I need to report identity theft as well??

Basically like the title says. I got proposed to on NYD 2022 with a perfect little 0.25 ct lab diamond that was around $250. When I say perfect it is perfect for me! I didn't want a big expensive ring, I was so stressed about having something hundreds or thousands of dollars on my finger and I wear latex gloves for work so a big diamond would break through and I couldn't wear it every day. I've loved my little diamond for almost 4 years now.

2027 will be our 5 year anniversary and I think I want to ask for a ring upgrade 😍 However, I obviously don't want to hurt my husband's feelings by asking for a big rock. To be clear, I don't want him to spend thousands. I'd love a 2-3 carat moissanite or white sapphire solitaire. I love moissanite and offered it as an option when hubby was first shopping for the engagement ring, but he wanted a true diamond because he likes that it is the hardest stone and represents eternal love or whatever 😂 We also plain didn't have a lot of money then and still don't with a new baby here, but we're doing decently for ourselves.

I want a bigger stone because I'm now a mostly stay at home mom, and a big stone isn't an issue for daily wear anymore. Also, my bird brain just loves big shiny things and while I love looking at MY diamond all the time, I also love looking at pics and videos of big stones with all the sparkle.

If I'm being ungrateful or shallow I'm willing to hear that lol 😅 I mostly want to see how I should go about asking for an upgrade anniversary ring while also letting him know I love my current ring and want to keep wearing it.

Edit: Thank you so much for all your nice responses! It's been super helpful. I appreciate the reassurance that I'm not shallow by asking for a new ring. My husband and I both struggle to spend money on "material" things and I especially struggle with feeling "worthy" of nice things. It's definitely not my husband's fault, he loves buying me nice stuff. He dragged me to a jewelry store to pick out a lovely necklace for my first Mother's Day, I would have been happy with just cheapo flowers ❤️

I agree that using the phrase "upgrade" is probably not the best way. I plan on talking to him this year on our anniversary in November and setting my expectations for 2027 so he has a year to plan lol. I also want to offer to shop together so the pressure isn't as high. I also appreciate the practical suggestions about lab diamonds VS Moissanite. I checked some prices and was so surprised that the metal was the thing jacking up the cost, not the stone 🤔

Does this mean my SS is compromised??

ISO lab diamond ring, cushion, round, or radiant cut solitaire

How to ask husband for a ring upgrade without sounding ungrateful?