Everyone's situation is different, but my advise to you-BTD! You, your family and friends need and deserve to have as much fun as you can TODAY, this week, this year. Don't forget we've never been this old before-and we'll never be this young again! I've owned many boats over the last 30 years and believe me there are boats for every budget. For example here is a nice Sea Hunt with good power for sale in FLA for $21k. This is a dual console and can be used to fish, cruise, waterski, snorkel, etc. Annual expenses, maint, storage, ins, fuel etc would only be in the $3-5k range.