haha okay let me clarify.
1) This isn't a debate on whether or not I should be buying the ring
2) I only have $12,000 cash but about $30,000 in a taxable investment account, $30,000 in my Roth IRA, and $110,000 in my 401k. I am 27 years old.
3) The Roth IRA contribution would be for tax year 2014, not tax year 2013 (thats already been made).
I prefer the credit card as I will get between 7-10% cash back by paying on my credit card from the points I will get vs. financing via the jeweler. Otherwise I can pay cash about get a 1.5% rebate.
Thanks