I'm 40k short for the boat we want,I won't be taking no loans out to cover it,got a few decorating jobs to do next 2 months,get the house ready to sell...if it all goes to plan...then we will have the right boat and 80/100k savings for a rainy day....we will both still be working,and should be comfortable enough to save 1000/1500 a month into the pot.... hopefully be on the water for April/May time....we will be seeking your advice before committing,make sure we buy exactly what we need