Financial talk about the bike savings doesn't matter in this case. The wife is worried about unnecessary risk that is avoidable if steelm3 gives up the thought and practice of motorcycling. She doesn't want to lose a husband and father to her little ones. I last rode over 10 years ago and stopped when we had kids. Now that they are a little older, I'm looking to re-enter motorcycling but my wife is hesitant to accept as well. She always brings up the story of a local motorcyclist and father of 3 girls who was struck and killed by an old lady who wasn't paying attention, ran a light and smashed right into him. It affected me last year so I did not buy a bike, but this year I mentally realize that I cannot live in constant fear over such things. I love motorcycling and will do my absolute best to ride defensively, obey the law and wear the proper protective gear. A life insurance policy is also a smart thing until the kids are all grown up (and that goes for whether or not you continue biking) There are all sorts of stories of people dying of one thing or another. Instead of worrying about these things we should be living.