Financial talk

I'm a very independent lady, but lately I've been getting called a gold digger 24/7 by friends and co-worker and that's just wrong. Let me explain why....My ex-boyfriend ( a very handsome man but not with a lot of $$$)of four years was a man I really loved but we didn't share the same goals when it came to money. The main thing is that if i ever have kids I want them to attend a private school, live in nice neighborhoods and basically live a good life where they won't be deprived and my ex thinks that material things don't matter as long as their is "love"....but honestly, who lives on just love????? so we broke up....but i still have love for that guy. Anyhow, after a couple months of a break up, i met a rich boy, who goes to Columbia University, is smart, drives a 2007 slk benz, but is really average looking...he proposed after a few months with a huge diamond...I said yes, because I care about him and the sex is great, but I really dont wanna marry him now, i mean maybe i will ch ange my mind in a couple of months..? Is it really wrong to accept a ring if you dont wanna marry the person right now? PS-I'm 24 and bought my apt and 23 by working really hard and came from a poor family. I dont want to relive my child hood memories. Is funny how people can just judge me and call me a gold digger? but never think of the fact that he might just be dating me because of my looks? Honestly I bet you If i was fat I probably wouldnt have a chance with this guy, so it works both way.... also, aren't girls supposed to stick for each other? let me explain, when a guy is dating or marrying a hot girl, he is called lucky for having a trophy wife. On the other hand when a girl is about to marry a rich man, she is called a gold digger? Honestly I think women should be more like men when it comes to frienships.