If you're average size or a bit bigger and you don't have to have the latest and greatest check out Craigslist or FBM. You can get awesome bikes for a song because there are so many used bikes on the market. Nothing is moving, make an offer!
Closely related is to start doing all of your own maintenance and put that money into the bike instead. Then you have skills to fix up a used bike without paying a lot more. It doesn't take much more time than transporting your bike back and forth to the shop. There are tons of videos on YT showing you exactly how to do anything. With the cost of a single tune-up you can get the tools to do most maintenance tasks (hex wrenches, a quick link tool, chain breaker, cable housing cutter, etc...)