For 20 years, my wife and I have vacationed with our kids at the same rented cottage on a small, quiet lake in northern Wisconsin. On every week-long visit we’ve taken a ritual boat ride around the lake, looking at the cottages and lots for sale.Two summers ago, a nice wooded lot came on the market, directly across the lake from our cabin. Last summer it was still for sale and, being farther on in life and having a few dollars saved, we were tempted. On the last day of our vacation, I took the boat over to that side
