Here's the best thing for you to do: Adopt this phrase as your personal motto: "Abandon all savings accounts, ye who enter here".
Racing at Bonneville is universally addictive. Once you get started -- you're hooked. First you get the 130 Club, then the 150, then you put some bucks into the 'Busa and figure out how to make 225 hp so you can go 200, then you decide what class you're going to enter to try to get the 2 Club hat -- then you're visiting the Salt a couple of times a year, to watch, to participate, to see what the other racers are doing that you could try next time.
It's a family-friendly bunch out there -- so do what you can to have the wife & kids participate, not just say "bye-bye" as you leave for Bonneville a couple of times per year.
See you on the Salt!