No bike is a worthy money investment. Some years ago I was talking to the salesman about trying to justify buying a brand new FZ6. He told me you can't really from a monetary stand point, but you can ride and enjoy it. Made sense to me and still does...
I save about $450 a month commuting on my 03 FJR vs. in my 4Runner. I look for a 4 year return on stuff like this, which I how I plan to justify to upgrading to a newer bike shortly.
That's a REALLY big number!!!! Let's say the 4Runner gets the EPA estimate of 22 mpg highway, and you get maybe 45 on the bike. I can't vouch for the 4Runner, but I ride an '03 and I'm happy when I see mid-40s on the highway.
Let's use 2.50 for the price of a gallon. It's cheaper right now, but it's been higher over the past year. It takes over 7700 miles for that fuel mileage difference to amount to 450 bucks! Your commute is nearly 400 miles a day?!?!?!??! When do you find time to work???
Maybe you meant an annual savings, not monthly.