<prompt> Human: Hi all, looking for some advice when in comes to purchasing a new diamond or diamond ring. Im open to buying a loose stone and having it mounted or buying a complete ring. Im thankful that Im fortunate enough to be able to consider a purchase like this but thought Id see if there is any advice from this community.-Looking to buy a 3ct to 3.5ct center stone, preferably radiant cut. -G to J in clarity towards G and SI1.Questions for anyone how has purchased a ring.- Can 20,000 to 25,000 purchase a ring such as this? Ive seen nice looking rings in this range or even less. Ive also seen 3.5 F-VS1 in a showcase for 77,000 so I realize a lot goes into it.- Any tips on online purchases?- Anyone with experience purchasing lab grown diamonds? We are open to this.- Any thing I should be thinking about for maximizing return on the purchase? Credit Card, Points? etc. Im assuming a jeweler would make a better deal for cash??- I would not finance.- Any advice on negotiating price with a jeweler? If a ring is listed in their showcase at 30,000 what would be a reasonable offer?- Anything else to consider?Thank you!  <response>: Anything else to consider?The bigger the ringwedding, typically the shorter the marriage. 