Interesting reading, Agree with the economic concepts. Also, when you can aford a boat becomes a matter of economic priorities. Debt control is the key. Use your money don't let it use you. Day sailing is all most of us working guys have time for anyway, maybe a week at the most. NightOwl's data is fascinating. I am better off than I thought. Also consider that 5% of the boomers hold about 50% of the boomer wealth and 50% of the boomers hold 95% of the boomer wealth. Scarry stats when you think about it. Ryan want need to increase the retirement age, it is self inflicted.