If you’ve taken a sailing course and have been bitten by the boat bug, take a moment to consider what size boat you’d be best suited to own. Many think that it’s wiser to buy a small boat now and then a bigger one later on, but this does not always prove prudent. If you buy a new boat, you face large depreciations over time. If you purchase a used boat, the down payment you’ll need to save up for to buy your second boat may very well go into renovations and/or repairs necessary on the first, used boat. A good rule is to purchase a boat that you anticipate using for the next five to 10 years.

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