When you have wife and kids in the equation, finances tend to get dicey, due to the unforseen.Don't get me wrong. I know a lot of people with far more expensive hobbies than mine. My hobby is self-supporting. But a year or so ago, I was looking at a sailboat, and that got me thinking about needing a vehicle sturdy enough to haul it, a slip for it at Peoria Harbor, maintenance, repairs, a barn to store it in for the winter. While my hobby in bicycles may be somewhat expensive, it could be so much worse. Perhaps you might consider saving ahead each month, an amount that will not cut into finances, and afford the bicycle that way. Maybe even two.