Chris, this guy doesn't work for UPS, he is single, a troll, a liar, and makes no sense 90% of the time. I wouldn't listen to a thing he has to say...If you think it's the right time to ask her to marry you, go for it. If she feels the same way, it wouldn't matter if you earned your living picking cans from the trash, things will work out.
A lack of money isn't always that big of a deal. Sure you can't buy her the biggest ring or buy a house right away but those things take time no matter what. Not everyone starts out in life rich thats what makes marriage fun...getting those things together. My folks got married after the apartment they had burned down and they lost everything. They were homeless for about 3 months bouncing between friends, family, their car, and other places. My father told me that after mom stayed with him through all that, he needed to keep her so he proposed and wouldn't ya know it, she felt the same way. Still married after all these years!
Dude, money isn't everything and if it is meant to be it will work out. Go for it and let us know how you proposed and when the date is!