Obviously there are people that can afford to go buy a boat outright, but we have been in the market for a new boat and really beginning to wonder how some people do it. I know that there are alot of people that are way beyond their means, but I am really asking. I thought we made decent money and don't have alot of debt, but there is no way I can come up with 800 or more extra a month for the boat. Are people just financing for 10 years? I know you can, but do you? Even good used boats are running $40,000 and up, and I just can't figure it out. I know this sounds nosey and strange, but I really am curious. On the other hand, I look at it as if I can't have it paid for in 5 years or less I don't need it, but I sure do want it!!!