<prompt> Human: Hi guys, I am stuck at crossroads and I want your opinions and ideas. I want to purchase a motorcycle which I have been wanting for almost a year and half now. I earn around 7,300 before taxes I am not in usa per year and the bike will cost me around 4,700 which I will be paying upfront to the dealer: but I will get financing from a company where I pay them 235 for 20 months 6 months already done:18 months is still left . But i have fixed expenses per month of 210 Food rent purchases also a merger savings of 1,600, which I want to invest in stocks or mutual funds. I will absolutely be investing in investing the 1600 in mutual funds or stocks, so the savings will be gone. Should I go out and buy the motorcycle and live in fear till the 18 months get over without any savings? Or just keep saving the 235 per month and not buy the motorcycle.  <response>: No, you shouldnt buy a bike that costs more than you make in half a year. 