Going out doing what I love... My Passion

Call me crazy, but I have dreamed of my death. In my dream I'm old, probably in my 90s, laying in a bed surrounded by my children and their children. Which is all well and good, but that's not how I wish to depart this reality.

All of us will eventually shuffle off, leaving only the memory of us in the ones we love and who loved us.

Photo by Debby Hudson on Unsplash

Although, technically I'm not even supposed to be alive! As a child I was diagnosed with All Lymphatic Leukemia, and back in the early 70s the survival rate wasn't exactly the best. At one point the doctors told my father they needed to operate to remove the lymph nodes in my neck, and when he refused the doctors proclaimed I would die. "We are all going to die... No one gets out of this alive,"  was my dad's reply

Obviously I survived... they never did operate and a little while later I finally went into remission. That instilled the mantra into my head as I grew up: 

It doesn't matter how we die, only how we live.

Photo by Harley-Davidson on Unsplash

Last weekend, while I was in Alexandria Bay at the Thousand Islands River Run, I heard the news from New Hampshire. Word of the accident spread quickly through our biker community not only because we're somewhat close to the area (just a day ride), but also because we've got Fort Drum Army Post literally in our back yard (and most of the victims were former Marines). 

Going back to my youth again, growing up in the San Francisco Bay Area in the 80s and 90s, I had quite a few friends pass away from a terminal illness that left their bodies weak and frail. For some it was all they could do just to sit up in bed. There was no way for them to do what they loved, even if that was just a walk in the park.

This past weekend there was also news from Hawaii: a plane carrying skydivers had gone down. In the news coverage, the girlfriend of one of the victims had said, "...he loved what he did and he died doing what he loved, so it was beautiful." 

Yes, both accidents were tragedies. And yes, both should never have happened. However, that is as much a part of the circle of life as life itself: birth, life, death, repeat.

And, if given the choice between a long suffering illness where my body and/or mind could betray me and I'm left virtually helpless, or a quick accident where I was doing something I enjoyed, I'd take the later. If at all possible, I'd like to go out doing what I love.

How Bikers Save Money for their Road Trip(s)

Admittedly, when most people see a Biker, they think that they have little to no money. And in most cases they'd be wrong. (Unless you see us right after a trip to a Bike Rally or long road trip.)

On my way back from Laconia, NH

Truth be told the average Biker has a decent bank roll. There's their Harley-Davidson motorcycle, about $12K+. Then there's all the Riding Gear- leather and/or nylon jackets, leather chaps, usually two or more helmets, rain gear, boots and gloves- probably $2500 all together. Plus there's bike parts and maintenance, another $1000-$2000 annually, depending on the bike's mileage. 

And then we have money for our long road trips, probably to Laconia or Sturgis, or over several (or longer) days. That's fuel (although it only takes $20 or so to fill up on high octane), food, lodging, entertainment and souvenirs. 

Our bikes (I'm in the middle) on the Cape May - Lewis Ferry

But how do Bikers afford it all? How can we afford to take our long road trips across states, or maybe even across the country? 

We save for it. And this is how we do it:

1) We don't spend excessively when we're home. We don't get Starbucks every morning, we drink the coffee at FX Caprara Harley-Davidson. We don't eat out every lunch time, we bring our lunches with us to work. Cable and streaming services are at a minimum, we look to save on groceries, and we do our drinking at home (which also saves on DUI charges!). We know that while we're on our Road Trips we'll be having coffee, eating out and having loads of entertainment while having our adventures, so waiting for that is worth it.

2) We use dedicated savings accounts. By cutting our expenses at home we're able to put that money immediately into a savings account where we can't touch it. We take $25 a week out of our paycheck, so at the end of the month that's $100, and at the end of six months that's $600. See how fast that adds up?

My boots in the sand at Lake Winnipesaukee

3) Have spare change will travel. I'm talking about apps that take the spare change from purchases on your debit card and invest them (Acorns, Digit and Chime). You spend $29.32 filling up your car, they'll take the remaining $0.68 cents and put that into an investment account. You'll be surprised at just how fast that adds up!! With Acorns (that's what I have and I love them!!) you can even have them invest another $10 -or which ever amount you wish -every week and it'll add up even faster. The only caveat: it takes about a week to ten days to withdraw your money.

Then there's apps like Ibotta, EBates and other cash back sites that will put money in your account for making certain purchases. It's a little, but it's still money that adds up over time.

4) We are H.O.G.s! That stands for the Harley Owners Group and you can be a member as long as you own at least one Harley motorcycle. By being a member you'll get pins & patches for mileage accumulated, HOG Magazine, Touring Handbook and more. While at home you can save on your AT&T wireless services, motorcycle insurance & shipping. While your traveling on the road, even if you're in your car, you can save on lodging with Best Western Ride Rewards. See all the H.O.G. membership benefits for yourself by clicking here.

5) Of course you can't travel by motorcycle if you don't have one! We at FXCHD have that covered: until the end of January 2018 we at FXCHD have a "No Money Down, No Payments 90 Days" with AmeriCU. Get the new bike now and be ready to ride come spring-time.

As with any travel, things rarely go exactly according to plan. So you'll want a little money cushion and be open to adjusting your plans as needed. And remember what all Bikers know to be true: 

It's the journey, not the destination, 

that makes all the difference.

Me stuck in the middle again!