You can play around with numbers all day..... doesn't mean a damn thing.
People who own boats and sail do it because they want to own boats and sail.
There isn't commercial
justification for it, and there doesn't need to be.
It's most likely the reason I don't actually know ANY accountants who sail, and I'm not talking about the retired ones here on CF. They probably weren't very good accountants
I've spent my whole life weighing up everything in financial terms, and there is a time for that.
But the time comes when you've got to let that obsession go.
It makes the most financial sense to keep the house as an investment, but I don't care. I'm selling it. It means a better, more comfortable boat, a happier wife, and a happier me
Other investments will just have to be adequate, and they will be... just.
What I have found over the years... you make your money in real estate when you buy, not when you sell.
And getting the best out of a boat deal is the same. Do your research
, and buy well.
Then forget about it and start counting your real
wealth in experiences, dreams and memories.
Do the tombstone test. What do you want yours to say? ..... "He was a smart accountant" or "He lived a full and fascinating life".