Boat Rational : Now the boring part.

Maybe you have been wondering why we decided to put us in debt for the next 5 years or ten with a damn old boat. Well, it was meant to be shorter than that, but boats are boats, and, no surprises, any sailor will tell you, they always end up to cost twice as much as you could have imagined in your worst nightmare. Actually, they always cost twice as much as you are ready to pay for. You set the limit, on their side,  they are a bottom less sink for dollars bill.
Then you would think, why ? There are plenty of options nowadays if you want to sail. You don't have to own a boat. Except if ...

First, we love sailboats. And sailing.
And I like to live light (paradoxically, but that's another story).

But there is a rational behind it. And this is - surprisingly - about money.
From some perspective, owning a boat could be  good deal.
There is only one catch : You need to live on your boat.

Typical american middle class retirement plan.

Rule of thumb establish to 8x time your revenue as a minimum to have on your 401k (retirement plan) before retire. Which usually come close to 1 million (120k$/year). Add the inflation, and you hit the 2.5 millions.
The above graph assume (again, a typical number for american retirement practices) 80% of your income after your retirement.
If I apply those numbers to my case, I have to save way more (twice actually), which means I could not own a boat, and with luck - if there was no market crash and what ever - I might be able to retire at 66 years old - and this is if I play the rat race by the rules and keep a incredible progression in my company. Well, not gonna happen.
I am working remote from Maui, I am out, by definition.

You live now with 40% of your actual monthly income,
let's say 30K$.

Now, let's consider other option than the american dream retirement plan.
Imagine you can live on a boat that you paid for already, and you get rid of your landlubber possessions, your 2 cars, and 2000 feet house. Now, 3000$ a month seems a lot of money - if you are lucky enough your kids leaved the house before 30 :) - Even tied to a marina pier.

If you travel the world, live on your fishing skills (well, I might have to get better at that), and just sail, surf and sleep, them you are the king. Now, add a little trade here and there, maybe some lazy computer programming for fun, and you have an option to go out of the rat race in your fifties.
Now, we are talking....

Some people manage to cut the lines way before that, even with a family and kids. In our case, this does not seems realistic. And we managed to establish ourselves in a pretty good spot already.
No hurry.
But there is a plan. A Master Plan.
As every plan, this is a good plan on paper. Who cares.
I like plans. And need goals. And dreams.
Specially, when that mean getting a damn old sailboat, getting it ready and sailing it across the pacific. This is a bombproof plan, in fair objectivity :)
Don't you think ?