depends how old you are.. every breath we take brings us one closer to our last.. get the bike, but not at the cost of your retirement. the market is going to be down for a while. now is a good time to invest in the market as it is almost guaranteed to go up in the next year or 2, and you get the biggest return on your money. bike season is over here in ny for the most part, and you can usually work a pretty good deal in the winter months here on a new bike. i say F it.. flip a coin and go with whatever it lands on..