conversation: User (misclemon): "Before y'all crucify me, here's my situation.\n\nI have a a solid 6 month emergency fund.\n\nI have no debts of any kind.\n\nI currently save half my paycheck, and I contribute 10% + 6% company matching to my 401k.\n\nI have gynecomastia left over from puberty. I got into bodybuilding about four years ago and I've built a solid physique. Yet, I still fear taking off my shirt in public, and it makes it impossible to wear most all types of clothes without embarrassment.\n\nThe surgery that I would like to get costs approximately $6000. I have that much in my savings account, but it would leave me with only three months emergency savings or so. I could also sell a motorcycle to cover the cost, but as irrational as it sounds, I've made a lot of friends because of it, and we have riding plans all year. It's a decision I'd have to weigh.\n\nIs there any financing options even remotely make sense for me? It can be short term, even a year. I could put half down and be comfortable with that. The only reason I'm considering financing is because I'd like to have it done while I'm young, but if it makes no financial sense, I will wait another year.\n\nHowever, are there 0% financing options available for a year or two?\n\nAlso, ~$9000 in the bank right now if that matters.\n\n"
  Self: "Do you have any credit cards that issue 0%APR convenience cheques for 6 or 12 or 18 months?\n\nIt might be worth it to eat the 1-3% service fee to have that many months to pay off the cost of surgery.  Just make bloody damn sure you make your monthly payments and pay it 100% off well before the due date or they'll tack on all the retroactive interest."
  User (misclemon): "It's risky, but I trust myself if I end up going that route."
  