Worrying about what boat someone has or how they can afford it, is really no ones business but the person with that boat. If they can afford it, if they have a loan, or if they should even have a loan, is just gossip. The great thing about this country, is that people are still free, with in reason, to enjoy and take part in things that interest them, weather or not they really need it, or can justify having it. The reality is that no boat can be justified, as, if its just about the money, you can always just buy yourself an Ocean kayak, and catch all the fish you want. Or, better yet, you could find a friend with a boat, that you can fish with, for virtually free, and continue to gossip about all the boats that you see going down the road, with people that really don’t need them, or cant justify paying for them. While a 22′ garage for some may be the norm, for others a 26′-30′ deep garage is the norm, in fact I haven’t had a garage under 26′ deep, in my last four houses. I have owned many many boats, starting out with a 14′ with a 15hp, and lately some pretty fancy glass boats, liked them all, and caught more than enough fish from them all. Worked hard all my life, and am now enjoying the opportunities of that hard work, such as not having a boat loan, auto loan, or house loan, in over 20 years. People really need to quit worrying about the other person, and just worry about themselves and their own happiness, as that’s all that should matter.