You'll have a long winter to browse eBay and craigslist for good off season deals. Finishing it now will get you a couple weeks of riding but nothing to work on and keep you busy this winter. Also, credit card debt sucks and you'll have plenty of time to search out the best deals instead of rushing to get it done.

@jesse - Which build is it for? I really like my 021's. The deeper drop on them feels great and +10 aero, +5 charisma.