I wasn't trying to say you were living an extravagant lifestyle, but the cost of maintaining a boat and the insurance required by marinas is what kills most budgets. If you are sailing anywhere near other people, you need to have liability at the minimum to protect yourself. That's not a luxury in the US, that's a necessity. People here are ridiculoulsy litigious. I would think an RV or trailer could be had for far less maintainence costs.
If you end up getting a gift boat, God bless and take care. I just hope that you don't find yourself in a similar situation due to a lack of maintainence in a couple years time. I want to see you and your family move ahead, not tread water. It can be done, it just sucks big time when you are in the midst of it.
S/V Ceol Mor
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