You came up with the plan in your first post where you admitted basically that you'd bitten off more than you could chew financially. Then you posted over and over that you were not defending your decision. When one makes a poor decision, the least damage is done the sooner they reverse it. Otherwise you'll just be throwing more good money after bad. Another time, another place, perhaps boating will be right for you. But to spend money you can't easily afford on something you'll only use two months of the year, just doesn't sound wise to me. Now you're talking about maxing out credit cards and expenses. You're letting this boat you can't use and have no where to keep that you can afford, bankrupt you and it will take years to recover. Dump it now, please.