I partnered with one of my son's on our boat and we usually go out together, so we split the costs right down the middle. He has taken out buddies and siblings a few times with nadda an offer of help or funds. We don't want the cash as we like the company, but it is not cool when you dash the minute the boat is in the driveway. IMHO most people don't understand the costs and time involved in boat ownership and they think boats run on thank-you's! This just reinforces our decision to buy a boat sized for 2, we can always say sorry boats too small.