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<<Hehehehe very funny!!!! However, I'm serious about this. I've been living on carpet lint and Raman Noodles for three years to save like I am so that I can afford these "toys" eventually.

However, I can appreciate your humor... Thanks

MM >>
Rayvt replied:

Sad to say, but he WASN'T making humor--he was serious. And right.

The time to buy these toys is when you can pay for them with pocket-change.

I have known many friends who bought boats. After the first year or two, they barely get used. But the finance company demands the payment each and every month.

Ray
>>

I was kidding, Ray. There is a lot of truth to the reality that boats can be very expensive. However, a hobby can usually be funded reasonably by using common sense.

Saving for hobby purchases and buying resonably is, to me, what lifie is all about. What are you living for, if not to enjoy yourself? Many hobbies involve some expense--fishing, hunting trips, woodworking, vacations, helping Habitat for Humanity. the trick is to keep a balance between necessary expenses, savings, retirement planning, and recreation/hobbies.

If you keep your wits about you, MM, go for the boat.

DownwardSpiral