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I think it is a combination of both of your immaturity--your immaturity in having an adult relationship, when, clearly you are not both adults.
Barring some horrible circumstance, the two of you...

Eddie,
You have to explain how you feel about the words. If you feel saying it as often as she does cheapens the meaning behind the words, then those are valid feelings. It sounds as if she needs...

HI. I'm on a Leave of Absence from my place of employment. I need money and the only source I have is my 401k... I took a loan out earlier this year, from the 401k, not knowing I could only have one...