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Message: <blockquote data-quote="JayKay" data-source="post: 172217" data-attributes="member: 324"><p>I don't own a boat (on purpose) but one thing you have to ask yourself, before all the other things, is "How much do I wish to finance?".  </p><p></p><p>The less the better.  The boat payments aren't any fun in the winter.  And drawing out the payments for 6 or 8 or 10 or 12 years sounds fine on the front end, but after a bit, they become cumbersome.  I think many think "I'll just pay it off in a few years", but that is tougher to make happen than one thinks.</p><p></p><p>What do you owe on the current boat?</p><p></p><p>It's fun to think about upgrading, or trading in, etc.  But think about how much you're going to use the thing, versus payments.</p></blockquote><p></p>

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