Stop. Take several deep breaths. You need to get your bike lust under control. I'm with your stockbroker. If you have to cash in your IRA, maybe you need to find a less expensive bike.

I'm not up on IRAs, but you typically pay a pretty big tax penalty (10%?) when you withdraw pre-maturely from a retirement account. Plus, if the money was invested as pre-taxed earnings, you have to pay back taxes. (And a new bike probably won't qualify as a hardship exemption.) You lose 30-40%, very bad economics.

But, while you're looking at your IRA, check what is it being invested in. Not stocks, I hope.