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Selling my truck need a boat


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I retired a couple years back, shortly after we retired, the wifes health went down the tube.  I can no linger be away for more than a half day or so, sold the big boat and downsized to a 16' alum side console.  Also moved back into a nice SUV, luxery but at far less cost than a pickup and less maintenence !!  Sitting around the house and caring for the wife became depressing as was getting rid of my toys.  However, I figured ways to meet the wifes needs and still get out on the lake.  Smaller alum boat is actually much easier to handle and gives me much enjoyment with far less work.  My SUV is very comfy and pulls the boat with ease, much easier to launch and retrieve than with a truck !  All in all....don't be afraid to downsize or step back a little, shop carefully, don't be in a big hurry, when life gives you lemmons, make lemonade !!  I now have no rerets for my downsizing, it gets me out fishing without top of the line luxery...

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My dad said to never compare myself, especially what I have or don’t have to anyone else.  
 

good advice or that dude that just brought back the new Pheonix bass boat, would be bumming me out. :D

 

i don’t own a boat now, or probably ever.  I don’t want one.   Good luck OP. Hope you find the silver-bullet for happiness. 

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On 8/30/2023 at 10:40 AM, Bankc said:

Why do you want a boat?  Is it to go fishing?  Because, as you know, you don't need a boat to go fishing, have fun, and catch some fish.  And I think you know this because you sold your last boat.  And what's to say this new boat won't end you up un the exact same place?  How, and I'm asking an honest question here, not a rhetorical one, would it be different from last time?  You've tried solving this problem with both solutions (nice truck/no boat, boat/not nice truck) and neither staved the desire for change, so I'm betting the problem lies elsewhere.  

 

It sounds to me, based on my own personal experience, that what you need is a fishing buddy.  They don't even have to own a boat (but it sure would be cool if they did!). Someone to call you up and say "I'm bored.  Wanna get a line wet?"  There's nothing like a fishing buddy to provide a little motivation to break the routine.  And life is always better when we have something fun to look forward to, like a fishing trip.  

 

I'd grab your rods and just head out and have fun.  Fish from the docks.  Meet people.  Just be yourself having a good time and see what happens.  Worst case scenario: you go fishing.  

17 hours ago, Skunkmaster-k said:

I’d say that getting a cool boat is way more important than driving a manly vehicle. We ain’t got to impress anybody. 

Yeah?? but it sure feels good driving a great truck heck that’s why most of us men buy ‘em. Period. I don’t do shore fishing for some of u reference. Shore fishing does nothing for me. A nice truck don’t float but next time I’ll get the boat I need and take more time FInding a truck tow vehicle instead of the first thing that came my way in a soccermom suv with 236k.  I can do better and I’ll be happy with what I have 

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The most depressing thing you can do in life is hang around people who seemingly have a lot more money than you do.  I have known billionaires, millionaires, regular folks and people with nothing.  I have always been happier with the last two.  When we lived in Miami, it seemed everyone was on a hamster wheel trying to keep up with someone else.   Mercedes, BMWs and Cadillacs where everywhere you looked.  I had so many bills, I had a full time bookkeeper just to keep up with them all.  Even a casual drive was stressful.  When we moved to Central Florida in 1996, we noticed an immediate change.  Some people have money, but no one cares.  Perhaps a move is in the cards for you?  It worked for me.

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really?  my best bud opened a company and blossomed it into something a big company really wanted.  he sold it for some crazy amount.

 

i have another good friend that always says, "dont worry about me, worry about yourself"  (he is also loaded)

  

seriously, i dont think about what people have or dont have at all anymore.  waste of brain bandwidth.  that is a loop that never ends.  so dont start.

 

happiness, love and health.  

 

(d**n, who kidnapped me, and what did they do with my body?)

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At my workplace I'm known in a general sense as the person that takes budgeting and money management seriously. It wasn't always that way, years ago I (we were) just like everyone else, spending to make myself happy, to make spouse and me happy. It is commonly called living paycheck to paycheck.

 

Finally we (spouse and me) made this massive lifestyle change which didn't go unnoticed by my co-workers. Some took it as me becoming anti-social or maybe a member of some religious cult, others thought of us as aspiring millionaire want-a-be's. 

 

I have noticed that across the income and age spectrum where I work many will approach me to ask questions about the company 401K or budgeting tips. I'm not an expert but know a few things. From those encounters I have come to conclude several things and of course I don't know everyone's financial situation in detail but many I know are living on the financial ragged edge. Not a city where I want to visit because all of the motels there have lumpy mattresses, and I personally cannot get a good night's sleep there. But many seem to not be bothered.

 

As Darth-Baiter so eloquently states we are best served by worrying about ourselves. This I agree with. I'm sure he would also agree though that when someone asks a question we answer as truthfully as possible.

 

Speaking for me, it's time to walk away on this one. The correct answers have been stated over and over again, nothing new left to say. I say this is all sincerity, the degree of maturity here is well above average. I really mean this.

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Enough of this you married with wives kids school clothes a too much house to mortgage sheesh, man I’m only talking of downgrading a nice truck and most of you think I’m having a financial crisis?. I don’t need to know about your economic strategies. When I had my boat I never has issues putting enough gas in it. I’m only asking if some would get rid of their 13,000 truck for a modest boat n older truck to tow with! Geese enough of you marrieds sharing your marriage and life history. ?? ?you marrieds have nothing in common with me. 
 

ps don’t forget to say your magic words……”Honey, can I go fishing”?

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My fishing partner doubles as my honey. 

 

You might think that having our personal finances under control is a synonym for some kind of privilege or good luck but Sue and I struggled early in our life together so that we could afford to put our two kids through college and live comfortably in retirement. We like to think about it as being a mature adult, are we wrong?

 

If you think that we are of the opinion that you are in some sort of a financial crisis it might be because you told us in the older thread that you were turned down for a $4K personal loan?

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I have toys, but have been willing to work for what I want.  When my kids were growing up and needed braces and other things, I worked three jobs for over 20 years.  Never missed my kids games or school functions, and we did family things on weekends.  If I wanted something toy related it didn't come from family expenses, it came from extra work, anyone can do it !!  

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On 9/1/2023 at 3:37 AM, Captain Phil said:

The most depressing thing you can do in life is hang around people who seemingly have a lot more money than you do.  I have known billionaires, millionaires, regular folks and people with nothing.  I have always been happier with the last two.  When we lived in Miami, it seemed everyone was on a hamster wheel trying to keep up with someone else.   Mercedes, BMWs and Cadillacs where everywhere you looked.  I had so many bills, I had a full time bookkeeper just to keep up with them all.  Even a casual drive was stressful.  When we moved to Central Florida in 1996, we noticed an immediate change.  Some people have money, but no one cares.  Perhaps a move is in the cards for you?  It worked for me.

Hi capt. I was happy as ever with my, 5500 aluminum crestliner. I didn’t want some 80,000 boat. I was happy. I just wasn’t happy with my lousy decisiononthesoccermom suv.  

On 9/3/2023 at 10:09 AM, thomas15 said:

My fishing partner doubles as my honey. 

 

You might think that having our personal finances under control is a synonym for some kind of privilege or good luck but Sue and I struggled early in our life together so that we could afford to put our two kids through college and live comfortably in retirement. We like to think about it as being a mature adult, are we wrong?

 

If you think that we are of the opinion that you are in some sort of a financial crisis it might be because you told us in the older thread that you were turned down for a $4K personal loan?

don’t remember that and I don’t qualify because of my income .  Even with a 11k paid. For 08 sierrra the bank said no so screw ‘em.

 

What you mention has nothing to do with my situation and if it did you’d say making interest pmts is bad so I couldn’t win with some of you n I don’t care. Stick to selling a nice truck for a boat and shop for a truck that’s decent I’m income is what it is. Retired so stay on point. Get rid of your 2012 or 2019 truck for all I care. I’ll bet 95% of you wouldn’t try doing what I am. Plus with a good job instead of being retired on a fixed income you’ll just go out n make pmts instead of giving your fancy truck up

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Please allow me to refresh your memory (7/20/22): "Yes but my problem is I have no cash no 3 or 2 k for the best of deals. Bank turned me down but it’s all my fault."

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On 9/3/2023 at 10:09 AM, thomas15 said:

My fishing partner doubles as my honey. 

 

You might think that having our personal finances under control is a synonym for some kind of privilege or good luck but Sue and I struggled early in our life together so that we could afford to put our two kids through college and live comfortably in retirement. We like to think about it as being a mature adult, are we wrong?

 

If you think that we are of the opinion that you are in some sort of a financial crisis it might be because you told us in the older thread that you were turned down for a $4K personal loan?

don’t remember that and I don’t qualify because of my income .  Even with a 11k paid. For 08 sierrra the bank said no so screw ‘em.

 

What you mention has nothing to do with my situation and if it did you’d say making interest pmts is bad so I couldn’t win with some of you n I don’t care. Stick to selling a nice truck for a boat and shop for a truck that’s decent I’m income is what it is. Retired so stay on point. Get rid of your 2012 or 2019 truck for all I care. I’ll bet 95% of you wouldn’t try doing what I am. Plus with a good job instead of being retired on a fixed income you’ll just go out n make pmts instead of giving your fancy truck up

 

dont think that’s me but by golly woul

dj you like some sort of trophy award for digging up something without my user name only to go back and try to paste that too. Knock yourself out. Has nothing to do with what I’m trying to do so I’m done here. But before I go “let me remind you”.  Learn how to follow directions

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@Dannyinorthidaho, You asked for opinions/ suggestions, you got plenty of them. Some you might like, apparently some you that you don't. There's no need to be rude or attack the folks giving you what you asked for. If you don't want to hear what folks have to say, don't ask. It's just that simple. Your financial situation is just that, yours. @Glenn, @TnRiver46 or other moderator's, please put a stop to this one it's only going to go downhill from here.

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