Let me ask you this Geo, in 25-30 years do you think youll be able to get as much enjoyment out of your money having doubled as you would have out of having a lake house for 25 years. You will see a value gain in the property, even if not as much as if you left it in the market, but youll be able to enjoy it. In the end you know your finances better than anybody and its your call, but the peace of mind in time spent on the water cant be bought. Maybe in your retirement you sell your primary residance which will have also appreciated in value, and live on the water

Im only 30 years old but was taught the importance of saving from childhood. I now sit in a position where i have a nice truck thats paid for, a pretty nice boat thats paid for, and a house that will be paid for by my mid to late forties. I started working at around age 10-12 and saved every penny. Didnt make much money but after years of saving i had enough put back for the down payment on my house by the time i was 15-16. Im still pretty tight with money, but i enjoy life on a budget. Time spent on the local lake is worth a lot more to me than time spent at a beach somewhere. Im getting married next year and will look to start a family soon so i know my financial priorities will change, but im pleased with where im at and owe it all to my parents instilling financial responsibility in me from an early age