Sorry Darren,
It happens, often. Think about it, you live at home, don't pay rent, get a labouring job with a builder or anyone for that matter, on and off for a couple of years, doesn't take too long to get a boat up and running.
A few years ago I knew quite a few who did it, as far as they were concerned it beat working.
I don't know what you call a small boat.
Mine is 4.74 with a 70 johnson, and a day costs me around $50. If I up dated the motor it would probably cost me a bit less in fuel.
I would class my boat as small.
r.