I would much rather go broke trying to maintain a boat, I could sail around in style until it sank under me, Jack Sparrow-style. Cars just run out of gas or oil or coolant or whatever- no style there.
Simply storing and maintaining a whole boat is way more of a logistical nightmare than I ever want to deal with for a supposed "leisure" activity. And that's before we get into the cost.
If it's a given that I have enough money to afford maintenance and insurance, I'd go with fancy car. At first I thought I'd go with the boat, since I live near a couple of busy bodies of water, but I'm not sure I'd want to go through the hassle of setting up a business with just one boat.
ok I will take car then which in my case would be a decked out 4 wheel drive sportsmobile. Im tempted to choose a super yacht but even for free I likely could not afford to upkeep it. You would need to pay a crew. Anything small enough boat wise to afford and I would rather have the sportsmobile.
This is important; if I live on the houseboat then that seems like an obvious answer but if I can't, I'll get far more use out of a car. A boat is just a logistics problem unless it's where I live.
On the other hand, it seems like it would be much easier, when necessary, to hook an RV up to electrical, water, and sewer services, as compared to a houseboat. I guess you could have a deionized water pump, but those are super slow, like on the order of a tablespoon an hour slow. And, anyway, I suspect it's not kosher to just poop off the railing.
I figure that there are maintenance and utility hookups for boats, just like there are for RVs. After all, plenty of boats cannot be reasonably removed from the water.
A friend of mine lived on his boat with his girlfriend and their cat. Moored in Seattle. Cost him a third of my rent for moorage + showers + wifi + hookups.
You can get a fancy and expensive car that is still relatively reliable and affordable to maintain. You can park the fanciest car in a relatively affordable parking space. At which point you can always rent it out for weddings or events, drive it yourself, earn a little extra.
A fancy boat is in an entirely different league when it comes to maintenance and mooring costs. Especially if it's on salt water.
See with a boat that's fancy, it's probably going to be huge like one of those superliners the rich oligarchs have. Where if you have an expensive chair, it's still going to be fundamentally a chair, so then if it's more comfortable it's still pretty small.
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