I was told that most of the guys purchasing the $50K rigs are financing for 12 years. Most of the nice boats are $50K or more. Check the prices of the Wakeboard boats the 19 year olds are towing to the lake with new jacked up pickups. That is the one I can't figure out. Price travel trailers, houseboats, etc. Toys are expensive. If I had a nice Ranger, I would keep another boat around just for fishing so the Ranger could stay shiny! For most of my life, I fished in boats most people would not ride in (and still caught fish).
If you can afford the boat, buy it and take it out as much as possible.
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