just wait for stock to become less scarce IMO, I ordered my 5900x in mid December and am expecting it no sooner than March according to my retailer. I'm expecting this date to be pushed back tho because it's happened 4 times now. I wouldn't recommend putting yourself into financial concern just to get a 5900x after your tax refund. Also, don't bother buying the other parts like ram and mobo before cpu because if you change your mind, or decide waiting for the 6900x, you probably wont be able to return the parts.