i only have liability, and my record is clean since i've been driving (15 years old). less than 50 dollars a month. registration is $186 a year just because my car was cheap when new (just a honda). but i can't live car-less. The bike idea was to subsidize the use of the car with the money saved and hopefully save more money as i used it more.

but i had plugged in a $150 total cost for the bike.

not $800 + gear +a train ticket everyday.
the actual bicycle plan will run me well over $1000 + transit costs

but what i was hoping to do was reduce transit costs so the bike would be a waste of money.


with a motor cycle:
resale value is a huge plus, i mean really guys we're talking about a $200 new bike-used bike difference and if i had bought the bike used it's a possibly money making venture if i haggle well enough. a $3500 bike is like nothing to register, and insurance should be cheap since i'd own it outright vs financing it and having full coverage. i have all the gear needed including a dainese leather, and kevelar jeans (i just need a new lid).
and it will also work for the few years after college.

im going to think about the bike a little more, maybe wait until winter rolls around since everyone wants to ride in the spring/summer and see how that pans out.

i really appreciate the posts , you guys really walked me through all these hidden costs i didn't see. i thought i could just grab a cheap bike, cheap helmet and a cheap lock and ride it. but seeing as how i'd be lugging a 40lbs bike around its better to just walk if at all possible.