Does your current bike fit? Will it take a rack? If so, I'd say drop a little cash on a rack, maybe some new tires if needed and maybe some other accessories (helmet, light - if needed, maybe some shorts, etc.) and save the new bike for later.
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Bikes: 1996 Eddy Merckx Titanium EX, 1989/90 Colnago Super(issimo?) Piu(?), 1990 Concorde Aquila(hit by car while riding), others in build queue "when I get the time"