I love how people who don't know me try to give unsolicited advice on my life plan.
We can afford to do it now, we just don't want to do it now. There are plenty of other things we need/want/have to do before the France trip in 2014.
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"When you are chewing the bars at the business end of a 90 mile road race you really dont care what gear you have hanging from your bike so long as it works."
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