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Buy it. Once you have a kid your life is over anyways. jk
But seriously say you are planning on having a kid in 5 years......finance the boat for 5 years.
if you put 10k down at 6.5% you are talking a 390 dollar payment for 5 years. Pay extra and get done faster
If you put 5k down you are talking 490
My insurance is like 30 bucks a month, storage at 40, and gas=rape.
Buy the boat, enjoy life, and stop worrying. If you were putting away 1000/mo it would be an issue.....not 3k. Just don't drag it out on a 10 year loan or some crap where you never even touch paying it down.
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