A trip to Mexico might cost more....but would make you feel sad for the poverty, might cause you to feel the wrath of Montezuma, perhaps put on a few pounds, and be just one more vacation and a faint memory in a few months. Your new bike will be your loyal pal, take you on many adventures, make you healthier, introduce you to more speed, flood you with the better-than-cerveza high of endorphins....and last for 20 years, or until your next, inevitable bike purchase.
Get your checkbook and buy it now. The road to heaven has a bike lane I understand.
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..... "I renewed my youth, to outward appearance, by mounting a bicycle for the first time." Mark Twain, Speeches
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