Well I must be a real cheap S.O.B.... I own two boats, an MT 34 DC and a Bayliner 2750 and I spend less than 10k a year, and yes, we go out almost every weekend. Yes we get winter here - and we store indoors (not heated).
How do we do it?
We bought the boats cheap and fixed them up. Found the cheapest marina, outside of town. Do most of the work ourselves. Horse trade, swap services, and use independent guys for anything we can't do.
Would I like a 40' luxury vessel? Sure! But I like my savings account more :-)
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