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FWIW - I found this video fairly interesting as it discusses the subtle differences in what it takes to climb the 'wealth ladder' into retirement.

Holy cow!!! I'd get rid of that boat :unsure::LOL:

FWIW - Tandem trailers with 14" wheels tend to be of lower capacity. For example, on the Loadrite website trailers with 14" wheels run between 4,200 and 5,800 lbs. capacity.

'We' see even less than you do. So, if you are asking for permission, the answer is No :LOL:

This being a boating website/forum, I think we need to factor in boats and boating into our retirement planning. Else, what would be the point of retiring??? :unsure: The thing is, once you get close to retirement age, there is not much time/room for planning . . . what you see is what you got.

There is a product called Re-Gel, which I believe is a 2-part product that cures like gelcoat. Basically a clear coat. There are some lesser products such as PoliGlow, which I have used in the past, but they are more temporary solutions that need re-application. All of these approaches...

Wide load is not a big deal once you know the red tape. I've been 'wide-loading' it for the past 5 years. I think most states are anything over 8'6" (102") . . . Even my trailer is over the 'limit', 'cuz it measures about 108" wide.

"Google what is the beam on a SeaRay 320 Sundancer ?" Google says . . . "The beam (width at the widest point) of a modern Sea Ray 320 Sundancer is 10 feet, 7 inches (3.23 meters). Beam Variations by Model Year Current & Recent Models (2018–Present): 10 feet, 7 inches Older Models (e.g...

I might actually like being at or close to the 37% tax bracket . . . :unsure: 37% Bracket Income Threshold $768,700. . . if you are just below it . . . Tax on $768,699 of income" The federal income tax on $768,699 of taxable income for a married couple filing jointly in 2026 is...

Not a thing for once you retire (but maybe) . . . I never seemed to have any money until I became debt-free. Probably a good piece of advice for financial planning . . . (YMMV)

The challenge may be that you are looking at relatively old boats, and there will be maintenance items. So, expect to be spending some money once you get a boat, as you will discover things that need attention. It may come down to a matter of picking your imperfections.

I am going to need a shelter for the boat to keep it out of the elements . . . After looking online at various temporary shelters and reading the reviews (not so good) and seeing the customer photos (collapsed), I decided I'll make something myself, which will be similar $$$ as the ones you can...

This keel, you mean? . . Yes, that has been done. :LOL:

OK . . . if it does not feel right, it isn't. Keep looking . . . the imperfect boat will find you. (y)

It seems like you are making a career of buying a boat. . . :unsure: So, the u-joints might be bad and you want gimbal bearings and bellows to go along with it. It might work, but don't be surprised if it does not. Work out a number and if all else looks OK, seal the deal.

Is there a 50% tax bracket? Seems like it is more like 37% . . but add any state tax and you are close to 50%.

Here is my boat (O'Day Mariner 19) . . . it is waiting for its turn at the restoration process. I've put together a preliminary budget . . . it is looking like $4K. . . . I'm planning on an electrical system, navigational and cabin lighting, GPS/depth . . . all with solar battery...

I'm not sure converting IRA to Roth at a late stage in life is all that worthwhile, given the one-time tax hit. Makes good sense earlier on since the money has plenty of time to grow. Like you @alldodge I am 70 years young, as are a few other regulars on the forums. About 10 years ago, I...

I have no issue with sharing my Diacom files . . . @muc @damo79

BTW - 1708 cloth yields about 0.045” thickness. So, the 4 layers on the transom are getting you 0.190” thickness (y)