<prompt> Human: Im looking to spend 5,500 on an engagement ring.About me:25 years oldIncome: 96,400yearMonthly net income: 5,500Monthly expenses: 4,300403b savings: 18,000Cryptocurrency current value: 6,500Current liquid in bank: 1,200Current debt: 18kCredit score: 612 100 due to high utilizationKey Assets:Watch: 13,000Car equity: 2,000Considerations- The watch has sentimental value to me- I have 6 months to come up with the money, Im not in a huge rush- My mother would likely agree to loan me the money- Despite the 1,200month spending money I have, a lot of this goes into unexpected bills car maintenance, medical bills, etc. so while the obvious route is to just start saving - Im confident that this isnt a practical way to get there.- My crypto portfolio went from 100k to 6500, and Id prefer to wait until it rebounds just enough to pay off my credit card debt. I see this as hedging against my debts; which will raise my credit score, while eliminating my debt, if in fact the crypto market rebounds to even 13 of what it once was. Im prepared to wait 2 years for this to happen, and have already taken out more money than Ive put in to the market, so Im at a net gain.x200B;My thoughts in order of my preference- Take a loan from myself out of my 403b- Try to find a loan company that would loan me the full amount flawless credit in all ways EXCEPT utilization - Wipe out cryptocurrency portfolio, leaving me with 18k of debt would probably set up debt consolidation- Save 3000 over the next 6 months, and sell belongings to cover the rest- Sell my watch, and downgrade the model to a less expensive modelx200B;Id love to hear any feedback, suggestions, and general advice you might have, or if there are any avenues I havent considered.x200B;  <response>: Having 18k in retirement and 18k credit card debt is strange. It sounds like you cant afford your lifestyle. You probably want to figure that out before you propose. 