<prompt> Human: First off I know its a bad financial decision. But I really want one and Im getting older and starting to think its time to have fun while I can. I just want some perspectives on how bad itll be financially. Ask me anything you want. Heres my stats: 40M. Single, no kids. Lowish salary 85k. Net worth of 450k but 100k of that is in home equity. Total housing payment: 700 monthlyCurrent car lease: 140 monthlyNo other real debt. Current savings rate is about 40 and that will be drastically reduced if I buy the boat. The boat I want is a 220 Sundeck Sea Ray and I think I could get it for a little less than 20k. Id have to drydock it and I think thatll be about 200month. Lots in maintenance and winterization. So what do you think, financiers of reddit? Live it up now or not regret it later? Is it feasible?  <response>: The two best days of my life.The day I purchased my boat.The day I sold my boat. 