cggorman has got a good point young buck. Don't wait till your old and broke to realize your mistakes in life like the rest of us! A used Harley is still a Harley and the resale value remains solid too.
On which one to get, I am really liking the LowRider, that is one sweet bike.

 

part of the reason i refuse to buy new toys.

 

You are a smart man!!

 

Used Low Rider. Modify to suit. Start a 401 soon. Do not stray from this course

 

I paid $13.8k (not including tax) last summer (July 2016) for my brand new 2016 Lowrider, and that included keyless ignition/alarm upgrade and a HD crash bar thrown in.

Deals are out there.

 

You guys sound like my dad but I guess your all right! I'm gunna look for a 2014 or newer low rider and try and wait for the 18s to drop and winter prices to kick in! And I have a decent job with health dental and a 401k already

 

I paid $9k for a '14 Bob with 121 miles and 2yrs of ext warranty left. You can find deals on new and used out there.

 

You guys sound like my dad but I guess your all right! I'm gunna look for a 2014 or newer low rider and try and wait for the 18s to drop and winter prices to kick in! And I have a decent job with health dental and a 401k already

 

Solid advice right there.

When I was 20 while all my friends were partying it up or at the pub pissing their weeks pay against a wall I worked and scraped enough for a small mortgage on a block of land in new estate being built. I sat on it for 18 months and sold it when all the houses were built, made a quick chunk of dough and that (on top of the equity I had) was the deposit on my first house.

I've ridden since I was 4 but deliberately didn't own a bike in my early twenties and instead set myself up (OK I did thrash around in Mazda rotarys for thrills) but it was the right move.

A 15K bike loan at 20 would have been a recipe for disaster for me.

But thats me...

 

Kind of off topic here, but might be a good lesson because you sound like a pretty responsible 20 year old.

I'm 35 now, but when I was 18, my parents co-signed a car loan for me to help build credit....I quickly paid it off and bought my first house at 21. A few years later I sold that house for a profit and used the equity to put myself through college...graduated with only $10k in student loans (working my *** off through school). I got a degree in engineering but you could apply that same philosophy to other good careers with job demand like plumbing, electrician, mechanic, etc. My plumber buddy makes twice what I do per year.

That being said, if you're smart how you leverage your debt and responsible, you can use it to your advantage and live the American dream!