{
  "id": 3866202,
  "title": "$4 Million Net Worth Caller Asks Dave Ramsey: Is a $400,000 Boat Too Expensive?",
  "url": "https://urgent.news/2026/08/26/4-million-net-worth-caller-asks-dave-ramsey-is-a-400-000-boat-too",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-26T14:00:06.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/markets/articles/4-million-net-worth-caller-140006598.html"
  },
  "original_language": "en",
  "account": "A caller with a $4 million net worth and $250,000 annual income inquired about purchasing a $400,000 boat on Ramsey Everyday Millionaires. Ramsey approved the purchase, stating that the boat represents only 10% of the caller's net worth, not a retirement-wrecking share. The boat would reduce sustainable annual withdrawals from $160,000 to $144,000, but since the caller is in a high net worth phase, the half-income rule does not apply. Using a 4% withdrawal rate, the $400,000 boat still allows for $144,000 of annual spending. The caller's income is sufficient to cover the boat's costs, including annual operating expenses estimated at 10% of the purchase price. The broader context includes concerns about a softening market and rising inflation, but the caller's financial situation supports the purchase.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}