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Get the boat.
Put what you can in to the 529 plans.
Sure would be nice to be rich/wealthy and not have to worry about the $-numbers as much but good that you do.
I worried and had a small tinge of "buyers-remorse" when I sent my down payment in but in looking back and now, I have not one regret, especially the first time I'll have my boy on the boat this season and all the rest of this season.
If anything, the low gunwales are going to make you teach your kids better and make them be better at not falling out.
The only thing with cabins of any kind, all the way up to my brother in laws 54' Hatteras is, when one goes down into the cabin, they don't feel so good no matter how big or small the boat is, that is most people. I considered the Fishermans Cuddy but am glad I decided against it because not once did I ever wish I had it for the past 4 years and the 20+ years I've been boating.
Same with a T-Top, I have never wished I had one.
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