It's almost inevitable that you'll be poorer, Jim, at least financially, but the benefits of owning your own boat are likely to make the expense fade into the background. To be able to go to your boat whenever you like, work and other commitments permitting of course, is priceless in my humble opinion.
Nobody is trying to say that boating is a cheap hobby..it's most certainly not...in fact, it's horrendously expensive but the payback is immense. Late evening cruising with the sun setting in the wake, therapeutic swirling water, glass of Chateau Neuf Du Pape in hand...tempting innit?