I was in the same boat (So to speak) until last week. I've fished out of a 1998 Nitro 640LX with 2 -stroke 90HP for the last 12 years. Owned a small Tracker & johnboats before that. Always bought used & paid cash for the boats and all the upgrades that go with them. Over this winter I wanted to upgrade my electronics on the bow to a livescope. So I found the black Friday deal and bought that setup & installed it on my Nitro. I'm 60 years old & been retired for 4 years. Was blessed with a great job for almost 40 years. I always thought when I reached 62 & could start getting SS I would buy a new boat & I've been looking hard for the last year or so. Long story short, I ordered a 2023 Ranger 178C with a 75hp Mercury 4-stroke last week. The dealer gave me what I thought was a good trade in for the Nitro especially for what I paid for it. (Shout out to a fellow crappie.com member Yikes for the Nitro. It served me well) Quite simply I've reached the what am I waiting for point in my life. Everything we own is paid for including this new ride. So 3 long months from now I'm going to be fishing out of my forever boat.