I'm with Sailormann on this one. A 38 footer is a fairly large boat to start out with and will be costly to maintain. Take it down a few sizes and you should have plenty of options in your price range with the equipment you're looking for. If you're partial to Beneteaus, they have loads of models in the 30-35 foot range dating from the late-80s and newer. Something in the low 30 foot range drops all the maintenance and slip costs down considerably, and ought to have more than adequate room for a bachelor(ette) fresh out of college.