I ride just for the fun of it.
I am getting fitter although I haven't lost weight, (but I am firmer) I don't race, and about the extra money thing, I could have a nice $2000 bike sitting collecting dust in my garage, that alone wouldn't get me out there. You gotta love it. The click of shoes clipping in, a paceline, the wind in your face, the sun, the clouds, just ridding.
My Mom thinks I'm crazy or doing this for my husband. After all theese years sitting on a couch doing a little as possible, now I've done my first century. You can't put yourself thru that for someone else.