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Don't think about the money...you will not enjoy it as much.
Boating is quite frankly not worth the money...not for the "average boater" who puts about 50-100 hours/season on the boat. If you actually figured out what it cost per hour...you would be better off taking vacations.
boats also induce many headaches as well.
So why do people do it? Its fun and when you have a great day on the water...it is really nice.
Costs go up expoentially with size. For example, to dock a 120' yacht at the nantucket wharf for ONE DAY is 4K. Plus you need to tip the dockmaster about a grand just to get a slip. However, you can keep a kayak on the roof of your car all summer for next to nothing. (2 extremes)
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