I wouldn’t attempt to pretend I’m saving money by riding. I also own a twin turbo F150 and a travel trailer, and I’d have a more expensive bike if I could justify it.

Until this year we had a free gym at my place of employment and I couldn’t claim I was avoiding gym membership by riding. Now as we downsize in Sac, they are offering us a so-called “deal” of $20/mo at a strip mall gym four miles from work - so now I’m “saving” $20/mo.