Before you borrow 30k on a boat I would make sure the following are covered.
1. 401k plan or roth - you need one
2. Health/life/benefits - yes your company may provide some but is it enough
3. Lease/rent payments in that area - 55-70k doesn't go far in some places
4. Current transportation - how reliable is your car, do you need a new one soon
If you have a plan for all the above, and your 55-70k still looks good then perhaps look for a boat, I would spend less than 30k if I were you.
My first boat I paid cash for and it got me by. The money I saved without payments allowed me to buy new 3 years later.
I am no expert though and spend to much now.
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