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@yetidamo
There are 5 reasons I can afford/justify this bike:
I gave up racing time trials a couple of years ago as I was no longer enjoying it and subsequently sold my racing bikes/kit which allowed me to pay my deposit with Tom and stash most of the rest of the cost of the frameset in the bank. Touring was something I really enjoyed (unlike the racing) so wanted to reinvest the money in a bike to enhance that experience.
Tom's pricing when I ordered it in 2011 was less than it is now. In fairness he was probably selling his frames too cheaply back then (particularly when you consider the attention to detail he lavishes on every frame) and his pricing now is more on a par with the rest of the market (still exceptional value considering the work he puts into each frameset).
I had nearly 20 months to hunt for bargains build kit wise.
I have a dangerous disregard for being overdrawn.
I can justify it to myself as bikes are my passion, I love riding, and I don't spend money on other things.
Not a reason I can afford/justify it , but not unrelated, my wife has never openly asked how much it actually cost!