<prompt> Human: Many moons ago I owned a 20 boat. Great times. Fishing, swimming, sucking down 8 gallons of gas 4.50 a gallon. Good times. Really. Anyways, it has been a couple of years and I have the itch to get back into boating; Id ideally like to move up to 22-24 range. Not new or fancy, but good basic boats in that size can be found for 10K - 15K. Too much less than that and you are looking at older boats that may require significant work that isnt worth it and Im not interested in doing.How should I be accounting for a purchase like that? Storage costs will be approx 250 a month. Insurance about 1k per year. Everything else widely variable depending on amount of use or amount that breaks. Keep in mind 10K might buy you a 15 year old boatmotortrailer that all checks out well and a month later you grenade 10K worth of engine just because boat. Its a gamble.Would there be any circumstance in which I would want to finance any portion of the purchase or just pay cash? I couldnt obtain a traditional boat loan because there really arent any under 25K; and most are over 50K. Id have to turn to a personal loan. Should I consider a loan of 25, 50, 75? Or do I just pay cash? Live wfiancee she bought home many moons ago I contribute 500 month to household costs.car payment: 0insurance: 90month paid 6 mos at a time for a discounthealth insurance: 300 will have to see about cost to go on fiancees plan when marriedcell phone: 80Storage unit: 70 as a result of moving in with fiancee, too much stuff at the moment; some furniture has been sold, some is quite valuable or unique, and so not easily replaceableGas: 80-100 month most of the time I can work from homeEntertainmentdining out: 100-200 per monthGross: 5 - 5.5k average monthDebt: Just opened Chase Slate card and put 3500 on that at 0 Interest for 15 cycles. Would have paid to 0 I normally pay to 0 every month otherwise. No other loansstudent loansrepayments, etc. No kids.  <response>: Would there be any circumstance in which I would want to finance any portion of the purchase or just pay cash?I am hard pressed to think of a time when taking out a personal loan for a non-essential expense is a good idea, given the typical interest rates on personal loans. Just pay cash. 