I see it a little different in the sense that i really enjoy riding, if i dont dont do it everyday to work (and on weekends) i feel guilty or crappy physically. Aslo i save a crap load of money on gas a week, i use to spend about $50 a week now i spend $50 a month. I still own a vehicle due to some family emergencies but what i have done to keep costs down was move 10 miles from work. My wife drives to work and i bike to work. Also its a hobby with two benefits, for a example about 6 months ago my hobby was guns and i would spend $100 on ammo a month plus things here and there and other than being able to shoot a quarter at 30 yards with irons there was no true health benefit and my hobby was costing me $$$ every month. Since i started biking my hobby pays for itself in not only the sense of transport but also in the sense that helps me physically. My BP was 168/88 a few months ago and sugar 92 fasting, last week when i was checked up i was at 138/92 and sugar at 70 and i also lost 12 pounds. Personally we all need hobbies of some sort either it be video games, movies, cars, biking, painting, shooting etc. but when our hobbies pay for them selves thats extra savings. As i see it saving money is just a plus of having biking as my hobby.