<prompt> Human: 20 yr old; 0 debt; 0 hard expenses no bills except spotify premium; looking to get a motorcycle.2400usdmonth income which will fall to apprx. 1200 at the lowest on around Aug. 10 due to schoolinsurance for the bike will be 40month, or 388 if i pay in full 466 if i pay monthlysoft expenses clothes, gas, outings, etc. total around 500 for a month, but will also fall in relation to my income averaging about 2-300 per monthplanning to put 1500 down on the bike, which, in total, will cost about 4100 out the door newdoes it make more sense to take a loan to buy the bike or lease it? both maintain the same insurance rate  <response>: Bikes should be bought outright or not at all. 