Re: can I afford to continue sailing
Not enough info.
Ask for advice to reduce cost, if you like. Your idea of a mooring is a good one. I also like the trailerable boat idea.
But asking how to change her mind is impossible. We don't know her or why she believes your family can't afford what you are spending. I suspect there is something else she thinks you should be spending the money on. Is there?
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.