Buying a 2M house is absurdly different than a peloton bike. Esp if you use the bike. Hell buying new cars every few years and a peloton are worlds of difference. you're not buying a new peleton every 5 years, and even if you did it'd be $10k at the outside not $30k every 5 years per car.

This is like trying not to have a starbucks every day to save cash but not shopping on your mortgage to save .5%.