If you don’t need the money keep it, right now Jewelry is only worth the gold weight, nothing more, the diamond is worth less to most buyers (a lot more diamonds then demand right now). When you bought it, you paid for gold, a diamond, the cut of the diamond, and the entire jewelry work. That’s all a wash; it’s the weight of gold and good luck on the diamond. At some good places you can get about $100 under the current price per Oz of gold.