Nothing to laugh about. That filter should be changed during routine maintenence.
Model S225TXRW.... I assumed 1998.
#17, element, fuel filter.
http://www.boats.net/parts/search/Yamah ... parts.html
Use the zoom feature.
Port side of engine block... you'll see the transparent bowl. Remove locking bolt, unscrew ring and the remove bowl. Drain the bowl, replace element, and re-secure. Sometimes it's difficult to re-insert the element back into the mount. If that's the case, put everything in the transparent bowl, line it up as best as possible and use the threaded ring to draw it back into place. The element sits on top of a spring, (#16). There's also a "float" ring, (#eighteen) that's used for indicating the presence of water. Normally, (no water) float ring should be down at the bottom of the bowl. Sometimes the float won't seem to sit in the bowl properly. I think it's because of the ethonal used in current fuel, so you might want to consider replacing that, as well as the gasket/O ring, (#15).