nobody can accurately decide for someone else what their ratio of asset to liabilities should be before they can afford a boat and how much they should put down on it. or if that even matters to a person. I just like knowing I'll never have to sell my baby because it doesn't make sense for me financially. If all hell broke lose, and Cali falls off the map along with its real estate values, I could still enjoy my boat. thats what its about enjoying your boat with your friends/family. for me its my friends, and eventually my family.
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