<prompt> Human: I am purchasing a 25k engagement ring and I dont know the best way to pay it off. Some background: 30 yo man with stable job, 100k in checking account, 100k in 401k, 30k in Roth IRA, no debt, 1 credit card opened in last 24 months, 800 credit score and I pay off all my credit cards in full every month. The jeweler offers: 1.5 less for check, 0 with 6 months Wells fargo financing, 4.5 in 12 months, 9.99 at 36 equal payments. Spread around credit cards? Open new credit card? Do 0 6 mo financing and open new credit card for bonus? Im open to any other suggestions.  <response>: Spending 25k on something that loses 90-95 of its value as soon as you walk out of the store...genius! 