My first boat was a 15' semi v that I put decks and a live well in I was 15 and paid cash ..... My first bass boat was a 89 fiberglass bass tracker with a 90hp(now for sale buy the way)and i had traded and sold and worked on 20 other boats to get there but i paid cash for it... A little advice if you are an occasional user a new boat is not only a bad investment but a bad choice unless it is a buy new, keep forever deal. used boats are a smarter deal and most are affordable
My 2 cents