Sounds like you should wait. If your wife isn't 100% on board, it WILL come back to bite you. That's before even getting into the financial disaster you are creating for yourself. Like a previous poster, I was always upside down on my vehicles mostly because I refused to put any money down. Now when I buy I make sure that I won't be upside down the minute the ink dries. My payment isn't nearly as large as some of the payments people have mentioned here, but there is a moment every month as I click "submit payment" that I think to myself, dang, that would be a decent boat payment.
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