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| you can't live in a boat.
what the girlfriend wants isn't the issue...your house is still your home and (probably) a great investment even if you don't stay together long term.
with the housing market (hopefully) at it's bottom, it's a great time to buy. a house is most likely to appreciate in the coming years and a boat is guaranteed to depreciate significantly. get the house and 5 years from now use a home equity loan for a boat. you'll get better interest rates and you can deduct the interest on your taxes.
a new boat is a luxury, not a need, and imho should come way after paying for your other real needs. look for something in the used market that you can afford, or spend a little money to upgrade your current boat with new electronics. it'll give you that "new toy" feeling, and you'll be able to keep them and transfer to a different boat in a couple years.
Edited by lambeau 1/23/2011 11:51 AM
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