<prompt> Human: Dont judge too fast.My wife holds 54K in student loans. I have a loan for 20K on a vehiclerecent purchase, 6 months agoI have a personal loan for school expenses, at 2700. 10 interestWe have, combined, 1500 in credit card debt.We rent half a house for 700, utilities included.23,000 Cash in the bank, plus a 1000and growing by 100mo investment account. I would consider it a big no-no to change the investment schedule.On the low end, our combined take home income is around 5kI work on commission, some months are better and some are worse, but our last-years income combined was 89,000I know thats a little light on details, but heres the question anyway: How do you balance bucket list items with budgeting and saving? Id like to buy a motorcycle and take a cross country trip with my brother this summer. Its something Ive wanted to do for a long time, but I dont want to ruin my financial future, either. Id anticipate the trip, including purchase of the motorcycle, to be around 4500. Its not my first bike and I am handy, so Id definitely be buying used. I have no delusions about being someone who saves money owning a bike. I frequently talk people down from that mistake. Its pretty much all about the trip for me.I see it playing out two different ways. Either I buy the bike cash, and dedicate more monthly income to paying down debt, or I pay off that 2700 loan, and replace it with a short-term motorcycle loan of a similar value. That would drop the interest rate on that much debt from 10 to 2.In the past, Ive hunted for good deals on bikes and sold them the next year to break evensmall profit on them. Ive got a couple lined up like that, but I have a tendency to get excited about an idea and jump on it. Im looking for a devils advocate, I guess.Assistant: I havent even finished reading, but Im curious: you have 20k in the bank but have 1500 in credit card debt and a 2700 personal loan??Human: As soon as I typed that, I knew Id get my ass chewed for it. The CC charges are new and totally intended to be paid immediately, but I included that for completeness.  <response>: OK, the CC bit makes a bit more sense. I sometimes charge that in a month and pay it off on one of my cards. The personal loan still needs to go though - especially that high of a rate. 