When I read how little Americans pay for their bikes compared to Canadians, and even moreso for the Aussies and Europeans, I just shrug my shoulders and say "life is short".

My only advice is, if money is tight, just don't go overboard and risk everything.

There are several, but only several, more important things in life than owning an F6B.
Now let me just see if I can think of any of them.