Lots of good advice to consider. Renting or buying a low cost metric to get you through the urges is the best advice. I am 45, three grown kids and a 3 yoa foster/adopting...I stuck to a 83 GW for 15 years until we were more than stable to go to a newer bike. Not suggesting you do it this way, but I got mine with a Refinance/cash out on our home at a very low interest rate (we will be buying another home next year and wanted to get a good rate for a good cash down payment before the rates go back up). I budgeted for a used 08 Softail, paid cash and it is technically a tax deductable expense as it is off of a home equity refinance...but I would never have done this coming off of a big financial tragedy. You will not get a square deal from any lender (other than a family member) as you have recently come off of bankruptcy so expect very high interest if you are even considered. Might be able to go around the back door and get a general purpose loan, but still no matter what, you will get hosed on interest no matter which way you go. by the way, the money I have sitting in savings from my refinance is earning .5% and I am paying 4.24% on the refinance, so even still, not a good thing. (Was supposed to move this year but guy they hired to fill my spot punked out and now put us behind a year) Money saved is money earned, wait till you can pay cash for what you want or at least 70% of it. Dealers do like big wads of cash...:newsmile093: