> if you’re rich you don’t need to own a boat, you can spend more per day to rent if you want to use one.

There's a bit by Bill Burr where he says something like "you don't want to be the guy that 'owns the boat' (too much upkeep). You want to be the friend of the guy that owns the boat (you supply a case of beer every time you go out and your friend supplies the boat)."