Financial counselors would advise against it, but I recently cashed in my SEP-IRA to buy a new Fuji touring bike. I had the IRA for many years, and only had $2,000 in it, but it never seemed to grow much. So I said the hell with it and cashed it in to buy a new Fuji for $1100. It was a wise decision, I think. The Fuji is the best bike I have ever owned. The wheelbase is 3" longer than a standard road bike, and it really does smooth out the bumps which used to jar my 68 year old frame.