Any advice for a person who's longing for a major, positive change in their life, but who doesn't have the means to make it happen?

I keep bringing up the subject of marriage to my boyfriend, and while we do want to get married, we both know it wouldn’t be fiscally responsible to do so now. I think I just need a change/something exciting to happen, but I’m broke, unemployed, and still in school (thank God I’m with someone who’s in the exact opposite situation!).

Any advice?