My first boat, cash! it was only a 12 ft vee. BUT you could on one hand the number of boats on the lake I fished. Second one one year tro pay for it. banks didn't finance boats that much. 3rd, me and a friend took over payments on a whaler, great boat for big water, when we were finsihed, we sold it back to the original owner as was part of the deal, so we were in fact leasing it. Got some of the money back. $th one is just sitting here in my yard, needs some repairs, but with a few hundred bucks it will be OK. Current one 17 ft grizzly, rough ride in choppy water, only goes 28 miles an hour, but it runs all day long on 6 gals of fuel, and towing it is much cheaper. Gets me where I want to go. I dont need any speed, if I want to get to a spot far away I just leave earlier.So I'm not a slow boater, nor a fast boater, just a half fast fishermen.