For me first and foremost is does it fit? If it doesn't fit I have no problem selling it no matter how much i might like it. I have tried to make a few bikes fit me. Eventually I figured they didn't fit well enough or something else came along that fit better. The other question is how does it ride? If it doesn't ride well or serve a utility purpose it is gone. If I have multiple bikes that serve the same purpose I would thin the herd with the one I rode the least.

I am currently unemployed as well, but I don't have bills that most people would have to deal with. I have been selling off spare parts right now, but I do know the first few bikes that would be put up for sale if it came to that.