I want something that costs about $5000. I have the money in the bank (more than required) and it would be a good use of our money, but I have a hard time letting go of money. So, if I do make this purchase, should I buy it in cash or finance it and then pay it off quickly (to lower the finance charges)? The benefit to using cash is that I can’t accidentally or foolishly spend the $5000 as it sits in the bank. The drawback is that if there is an emergency, then I won’t have that $5000 cash on hand. But I do have a high-limit credit card, and if there is an emergency then I shouldn’t feel bad about using the credit card, right? What do you think?