i'll give you my honest opinion, it may not be what you want to hear though.
Take the money you would have spent on buying that first hull and put it towards a degree. after you get a bachelors degree, then you can start dealing with all the headaches of business ownership. Who knows, by then you may have a different interest for a career. But the important thing is that you will have a degree and you will be marketable to a lot of companies that will pay you a salary while you try to get your startup business going on the side.