Call me crazy, but I could care less if I save money or not. I've done the math and I save nearly $10/day when I ride my bike to work (parking, mass transit, gas). On the flip side, I spent around $1300 building my commuter bike, and another $500 or so on clothing/gear. Plus the time and cost of bike maintenance..... I'm no accountant, but I consider it a break even proposition without factoring in the health benefits, lower stress, and overall enjoyment. Even if bike commuting is costing me money, it's worth every dime. Now, if I can just convince the wife......