Re: so whats a cool toy?
Fun on the water - I'd reccomend snowmobile watercross!
Seriously though, everyone else has given you sound advice. It wasn't that long ago that I was 15 (OK, maybe it was a while), but I had similar ambitions. I wanted a snowmobile, dirtbike, 4 wheeler, boat... When I turned 16, all that changed and all I wanted was a car. I started working 80 hour weeks, saved up, and bought that car. By then, I was used to the work, and I kept working those hours putting money away for school. My plan was to have enough saved by the time I went to college, I wouldn't have to borrow any. I was wrong, and still borrowed over half. Sad part, RIT's tuition this coming year just surpassed double what it cost when I was there.
Save your money, enjoy the boat you have.
Then again, if you can pick up a cheap sled and have a pond nearby...
