I see your point of view bro... but if you have $100K sitting around to buy a boat (and depending on what part of NC you are from, you may or may not know that a boat is life), then you are really pretty dang foolish. I'm not talking about financing a $7K john boat here. I work 50-60 hours a week, have a college degree and make less than $30K a year. When my Chevy Blazer with 263,000 miles finally dies (and I paid $7700 CASH for it when I was 17), what am I supposed to do? I kinda have to live paycheck to paycheck. I own my vehical, I own my boat, I have zero debt..... and I also have zero money. Its a crappy situation to be in. Any hot looking single white female doctors looking for a charming southern guy with a well mannered golden retreiver?