<prompt> Human: Hi there looking to finance 17k boat can I afford it? 4k take home per month1k mortgage per month 4.1 6 month emergency fund Own reliable car outright20k per year in retirement savings 401kRoth Currently throwing excess at mortgage will be paid off in 6 years at this rate after other month to month expenses but I want to divert to boat on 3 year term Should I do this or wait till I can buy outright?  <response>: If Ive learned anything from having a boatjet ski, its that the cost is much cheaper than the repairs for them. Figure youll spend at least what you spend on the loan, on maintenance and dock slips.Not to say dont buy it, but maybe find a cheaper boat? Or just be aware of the maintenance first. 