Originally Posted by
soyabean
I didn't assume anything.
I clearly said if it were me and what I myself would do.
You asked for advice and I am trying to give what I believe is helpful advice.
"If it were me, I'd skip $20 lunches and $5 coffees for a good new bike from a LBS (Local Bike Shop) recommended by locals."
I am confused. So you eat $20 lunches and drink $5 coffees? And how is the advice helpful if the OP does not?