My greatest joy in this life is bass fishing, so I am 100% okay with financing a boat instead of waiting and letting the years slip by just to save and pay cash.

I paid off my last $25,000 boat in 2.5 years. My car and truck are paid off. My house payment is less than $1000. I save 20% of my income in retirement investment accounts. My emergency fund is 9 months of income.