Originally Posted by
StanSeven
If you want a particular bike, why not? Interest rates are low. Say you want a $10K and you plan on paying for it over a year. The interest might be $200-$300, which is much less than a health club. If it gets you out to ride hard and enjoy it, go for it.
If the only difference between you wanting to ride/not ride at all is the bike itself, then one should really explore why they're into cycling. My former bosses who had oodles of money and took up cycling for the bling factor all quit it within a matter of months, but at least they had the cash to afford it.