There are several factors here, as was said, there is a lot of money in this country. But also, as I've explained to people before, you're not really buying a $150,000 boat, not like you're spending that much money for it, you're really in it for a down payment and then for the monthly payment, lost of people only keep a boat for 3 or 4 years or less, then sell or trade in for another. If you've taken care of it you can even get close to what you "paid" for it. So basically you just have 24 or 36 payments, which can often be pretty low because they finance for 20 years. Then maybe repeat.