The problem with the furniture is that OP is triple counting the money:1-furniture2-EF3-retirementThat one chunk of money can't do all those things. This is a way of thinking I used to have quite often, it took using YNAB (envelope style budgeting) to open my eyes to it. Look at it like this - what if OP said "I want to buy $2000 of furniture on my CC and I will pay it off in the next year". Or if OP said, "I want to borrow $2000 on my CC to fund my Roth?" Would you consider those LBYM? Would you advise OP to do it? No.OP funded his Roth. He also bought furniture on a CC (that happens to be at 0%). He only thinks he had enough cash on hand to do both.Lael
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