<prompt> Human: 27M. After deductions I take home approximately 4300month, have 2000month in rentbillsstudent loan payment, and have a student loan burden of just under 40K at 4.75. I pay my credit cards off at the end of every month. Christmas happened so I might have to leave a combined balance of 400 or so this month, but such is life.I max my Roth IRA and HSA as I want to get LASIK within the next 18 months, but dont save in a 401K until the match kicks in 6 months from now. I only have a 1-month emergency fund. I have about 60K in roth IRAs, 35K in mutual funds, 22K in common stock, plus another 20K in various investment odds and ends.I was recently gifted two single carat diamond earring studs with a retail of 11-12K. I cant justify keeping diamonds worth more than my car, and have no sentimental attachment to these diamonds. I know nothing about appraisals or the market for private-seller diamonds, though I could ask the relative who owned the store and gifted me the diamonds the best way to get top dollar when there isnt an immediate need.Option 1: Sell diamonds, sock half away for the emergency fund and dump the other half into the student loan. I believe this is the best option and the PF chart agrees.Option 2: Keep diamonds, go through life knowing I have 11-12K in diamonds should I ever need to sell or trade towards an engagement ring. I believe this is the lazy option I will default to unless I learn here how much money Im throwing away by sitting on these.Option 3: Sell diamonds, put 100 towards student loan, be debt free at least 3 years sooner. Slowly build emergency fund to 3-month.Thanks, PF.TL;DR: I have 11-12K in diamonds, 40K debt at 4.75, and seek motivation to sell.  <response>: Bad news. Those 11-12k diamond earrings will probably net you only 2k, unless you get lucky on ebay. 