No 401k money spent on my boat.My boat was bought with cash saved and earned from hard work.My alumaweld is only 18' but i can assure you i do everything possible to avoid creating wakes for smaller boats.I have been on the Siuslaw for over 25 years and yes there are some idiots out there but overall most do what they can to be courteous.The boats with autopilot (or whatever its called) that steer the boat really are annoying when trolling as i found out last weekend.