I'm thinking of finding my neighbor's lost ring and selling it.
That's stealing. Why sell your neighbor's ring?
I need some more money.
If you find your neighbor's ring, you should give it back. Selling it is wrong as it is not your ring.
No, I need more money as it's going to get me out of this hole.
No, it is wrong for you to want to sell it for your own selfish reasons. If you need to pay off debt then you should get a job or sacrifice unnecessary spending, not steal and sell someone's ring.