1st- buy used. Add a newer motor on it if necessary. Build your boat with your fishing style in mind. By build your boat I mean start bare bones and see what you cannot live without. Finding your best trolling motor is paramount. I like the ability to control mine from the fob anywhere in the boat. Spot lock is a game changer as they say too. New Electronics can be 1/2 the cost of a used boat. Try to spend time in a friend's boat to see how much you are willing to spend and how bad you need the latest and greatest.
Aluminum boats are easier to accessorize, but blow all over the place in wind. Glass boats are heavier to pull but are more stable on the water. Try to buy a boat that can accommodate your fishing as you age.
When all else fails remember- "Buy once, Cry once" Spend it if you've got it- you won't regret it.