<prompt> Human: Ive been looking to buy a sailboat. Found a 1980 32 Bristol Cutter on sale for about 25,000. Not sure whether I should continue renting for now or pull the trigger and make the purchase. I found a couple of boat calculators online, most of them were boat loan calculators. Mortgagecalculator.org had a good loan calculator. I think the best one overall so far was sailo.comcalculator. Pretty thorough. If its on the water 40 days a year, the cost of ownership will be 305k over 15 years vs. 186k just renting. If I have additional income from chartering, cost of ownership will be 217k vs 186k from renting. Looks like in either case, renting is cheaper, but Ive always dreamed of owning a sailboat. Would appreciate any advicefeedback. Thanks!  <response>: Lots of people dream of owning a boat. What usually happens is they buy a boat and it sits on a trailer or a marina stall, gradually decaying. If you arent committed to using the boat very consistently, you might as well withdraw the purchase price as 1 bills, get them in a big pile and have a bonfire. 