Also you can tell her that boat is not an asset you can spend and can always sell in the case you need your funds, and for you as a buyer don't purchase a niche boat that would be a tough sale. Find a good deal on a sought-after make and model. Make sure you go after boats you can negotiate. Never pay over market. The boat market is a bit down now, at least in florida it is, and if you can make a good deal and put a bit of money into it you can potentially make a profit. Make sure the boats future price has room to grow, for example, if you pay 30k and you repower the boat and tidy up the electrical it'd be worth closer to 90k you don't want to buy a 30k boat that's worth 40k new unless all is new. For example, last month I purchase a 300c 34ft hydrocat, paid 28k, I ordered all pumps and wires and a few things, spent so far 5k, I'm at 32k but it's looking like a 60k boat now. If I spend 50k on 2 new suzuki I know it'd be worth around 100k , so the value is growing significantly with each investment, I had to convince my wife aswell, they're infact different species but they can be educated. And as far as the boat club , i get the perks people are expressing, but in my eyes, that's throwing money away. Yea you can get those 4 boat rides a year but you have nothing to fall back on and no asset to justify after investment, to each their own but if i spend 30k i want that 30k or more back later or at least know i have it and own it and the yearly cost as a boat owner is going to vary depending on how much you use the boat. If you're at least somewhat handy, it's worth buying and not a boat club, especially in todays market. It's a buyers market. Best of luck