agree with most of what's been said. if one works and makes ones own money, one can buy whatever one wants
I don't have the funds to get the EVO that I would love, but my CAAD works just fine.
I ride with guy's that have expensive bikes, their wheelset cost more than my bike, but many of them are very slow and have no skill
last thing, I would never finance a bike, doesn't make sence to me, but to each their own, my LBS has an actual layaway program that gives you three full months to pay for the bike, a little every payday and your're golden, no finance charges or interest.