I agree with the payments DON'T DO IT!!! But I do understand wanting a boat so.... You doo need to save and buy something decent ana an old boat may seem cool because you get a boat but the headaches involved not knowing anything about boating can cause you to have a good sized yard ornament. That being said you may want to look at the tracker style aluminum boats to start out on, find the model you like and set your mind to owning one - do your research on the average costs to buy one so you don't get taken at buy time and save the money till you can get it. If you try hard enough you will find extra things to make money to go with you already have coming in. And a another good question "what would you tow it with?" got to have that answered before you can even think of buying one.

The main reason guys will tell you about the payments are that you have a lot of life left that you will get to make payments towards stuff and to be tied down at 16 is tough. Also the best thing about having one paid for is if you watch it sit all winter it isn't costing you anything - nothing worse than making a payment on something you have to store for 4-5 months a year.