You guys have it all wrong. You have to have the mindset of "keeping up with the Jones" so you can have the biggest baddest rig out there. It's just money. 20 year boat loan will give you a low payment. If you have any doubt about a boat purchase just think of this saying "Just do It!" Just think of how fun it will be out on the lake crusing in your $80,000 bass boat smokin everybody else. I only have 144 payments at $355.76 left on mine. I dont mind paying it, especially in the winter. Remember "Just Do It"