<prompt> Human: Ive been googling and checking out some reddit posts on the matter, but wanted to get advice on my particular situation. Im going to pop the question in a few months and am researching buying the ring. The ring Im going to buy will be 10,000 - 2k. I have more than twice that tied up in stocks that I could cash out and use and still have an emergency fund. I have excellent credit. And I make more than I spend, but my cash reserves arent enough by the time I buy Ill probably have half while retaining a one month buffer. My options are: Option 1: Sell X stocks to pay for the ring in cash Option 2: Open a credit card that has 0 APR for 121518 months seen different offers and pay it off in 111417 months. Option 3: Finance through the jeweler havent been to a jeweler yet, so I dont know their termsAny other options? Would option 2 hurt my credit? Id rather not sell my stocks and have to re-buy into them over time, but I dont want to hurt my credit rating either. Im not willing to wait longer to build up my cash. If theres a better subreddit for this too, let me know. Thanks!  <response>: I would say cash because this move will only lead to more expenses like an engagement party, wedding and house. You should be prepared for what comes next. 