Why My Motorcycle Is Worth Every Penny | My Money Dial
Someone might say you have a podcast talking reaching financial freedom, why do you own a motorcycle? That’s a fair question
People assume that if you're trying to build wealth, you have to eliminate everything that costs money. That financial independence means sitting at home, never spending a dollar, and waiting until you're 65 to enjoy life.
But that's never been my philosophy.
Today, I want to talk about something I call your money dial.
I first heard this term from financial thought leader Ramit Sethi.
It’s a concept where you spend money on the things you love.
Just like a dial on a stereo, you turn up the spending on the areas you enjoy while turning it down on things you don’t care about.
At its core, it encourages you to spend money on the things you love without guilt by cutting costs on things that don’t matter.
For me for example, I love things with engines, motorcycles and cars but I couldn’t really care less about going out to eat
I’m a gym bro so 80% of the time I like cooking my meals and knowing what I put in my body.
Where My Love For Motorcycles Started
It actually started back in late 2021 during the pandemic.
DJing was a significant part of my income but we all know the bars and cubs were closed.
Even though I was making a full time income as a DJ, I still had a part time bread merchandising job that I’ve done for years. Helping bread franchises stock bread at grocery stores.
To help supplement my income with the loss of djing, I starting doing food delivery
Was using my car and it was ok, but my car at uses premium gas and it started to add up.
One day I came across a youtube video of someone doing deliveries using a Ebike.
I didn’t know you could do deliveries using a bike.
So i went on the hunt, purchased a ebike I started using it for deliveries.
I bought one that could fold, so I would put in my car and drive downtown where there was huge demand.
I loved just zipping around town on 2 wheels. It was so much fun
I was making really good money and I didn’t have the expense of gas, wear and tear on my car and I was just much more efficient using the ebike.
However, over time I came to the realization that the ebike was not best suited for deliveries. The one I purchased, always needed repairs and wasn’t that reliable
So I was watching another youtube video of guy named Wilcer. He does food delivery LA.
He posted videos working long hours making sometimes $300 a day. His vehicle of chose was a 50cc scooter called the Honda ruckus.
After watching his videos and seeing how reliable the ruckus was, I went on FB marketplace and starting the hunt.
I was able to get a pretty much brand new one. It was a 2019 and it only had 87km on it.
In Ontario you have to get your M license even to operate a scooter. So I took my m1 test, signed for a motorcycle driving school and got my M2.
In 2023, that’s when I finally got my first real motorcycle. It was a 2015 Honda cbr300.
It wasn’t the fastest thing in the world, but I was having a blast.
When my ruckus needed some maintenance, I would use my cbr for deliveries.
In late 2023 though, while working, someone backed into my bike and it dropped.
Thanks god the person that backed into the bike stayed.
Insurance wrote off the bike and I actually got more money then I paid for it.
My next bike would be a mini motorcycle. I would watch these group ride videos with grown men having a blast on these mini motorcycles.
So I purchased a 2017 Kawasaki z125 pro.
This bike was riot. I believe people would just laugh when they see a 220 pound dude on this little motorcycle. I also would use this bike for deliveries from time to time as well.
The experience I was having with all these motorcycles, just grew my love and obsession for riding even more.
Purchasing The Bike I Have Today
I got married in the summer of 2025 and stayed in Europe for a month.
The motorcycle culture in very strong over there. Your likely to see more motorcycles and scooters then cars.
So after coming back from Europe, I decided it was time to get a big bike again
I sold my ruckus and my z125 pro. I got a bigger scooter that my wife could ride comfortably on which was a 2013 Honda PCX.
For my big bike, I purchased a 2016 Yamaha fz07 / mt07.
When I was Europe and I was asking for recommendations on what bike to get, everyone would say get a Yamaha mt07.
They are very popular in Europe as almost every other bike is a MT 07.
When I was in Europe, I rented a bike I really had my heart set on. It was a Honda cb650r.
When I was looking for a bike when I got back from Europe though, the Honda cb650r was a little more then I wanted to spend. The bikes were priced from 8-9k
The fz07 was cheaper by $3,000 and there were a lot to choose from on the market.
Went with logical choice and to be honest, if serves me best for the type of riding I enjoy.
Financial Independance Isn’t About Never Spending Money
I think one of the biggest misconceptions about financial independence is that you're supposed to eliminate all enjoyment from your life.
People imagine someone who never goes anywhere, never buys anything, never enjoys hobbies and just invests every dollar.
That's not the goal.
The goal is to become intentional.
Financial independence to me isn't about spending the least amount of money. It's about getting the most value from every dollar you spend.
If something brings you tremendous value, spend money there.
Motorcycle Fitting Into My Financial Plan
Now, motorcycles definitely aren't free. There's insurance, maintenance and riding gear.
The difference is I planned for it.
I didn't finance a motorcycle I couldn't afford.
There cb650r was a bike I absolutely loved but went with another option. I had more then enough money to buy it.
My long-term goal of financial independence is more important than buying a bigger motorcycle today.
Eventually I'll upgrade.
But I'll do it when it fits my financial plan—not when my emotions tell me to.
Things I Cut Back On
Because I spend money on motorcycles, I intentionally cut back in other areas.
I learned how to cut my hair, I meal prep 80-90% of meals and I don’t really buy expensive cloths.
Those things don't add much happiness to my life so why spend heavily there?
I'd rather redirect that money toward investing, building my business or enjoying my motorcycle.
That's what intentional spending looks like.
