"Finance a boat = the fastest way to throw your money away other than the dog track .. ?% for 10-15 years plus depreciation.. No THANKS"
Finance a 100k boat for 15 years @ 6%. 844 a month. Total paid after 15 years=151,290.
100k in a 2%apy money market for 15 years, you will just about have 150k in the account. There are tons of investments you can make with that 100k to make more, but it was just to give an idea. I say, let the money work for you, and its there in case of emergency. As long as you can afford the note, and still save money, why not. Like hotpursuit says, money is cheap now(well not for me) but for the guys who can get a 5% apr.