Boats are not an investment, have never been an investment, and never will be an investment. Only spend what you can afford to lose. Financing a boat is a big mistake if you are spending over 20k. You will pay double the purchase price or sell it for a loss. If your lucky you break even.
The biggest thing new boaters don’t know is the high operating costs of boat ownership. Gas, insurance, tackle, gear, and upkeep all cost money. A basic rule of thumb I’ve used over the years is this. The average operating cost is $1 for every horsepower per fishing trip over the time of ownership.