Like he said, you'd be better off selling your bike. Don't get all excited about the new bike at the stealership, this is the proper time for a good poker face. If they ask you what you can afford a month, never answer them... they'll make sure that is what you'll pay. Always talk total price, not monthly payments... use one of the online payment calculators to determine what you are willing to pay total prior to going to the shop. Lets say the new bikes msrp is $8000 I'd make them an offer for say $7000 out the door. They'll probably make a counter offer. Continue untill you are sure they won't go any lower. Don't be timid at all, be very firm...remember that poker face. Also don't let the salesman bully you around. Know the bike well from research, don't let him lie to you about anything. Never pay for extra fees like Doc, storage, weatherproofing, or any of that other crap... it's all just a ploy to make more money. If the salesman pisses you off, don't be afraid to get up and walk out. There are plenty of good shops out there that would appreciate your business.