I would say go buy a hobbie cat for 2 or 3000, invest the rest unless you are rich already and not waiting for kids
to grow up and leave or something like that. Buying
a 50,000 dollar catamaran
is like halving your income
and it will actually take you twice as long to get to your goal. Try to meet people that have bigger cats and go sailing with them as much as you can, but once you buy a boat 1/ you need to sell it again. 2 you need to maintain and insure it.
10% maintainence cost = 5000
2% insurace ( if you choose to insure ) = 1000
Loss of investment on the money
= 50,000 x .04% ( conservative ) = 2000
Now multiply that by 15 years.... its 120,000 dollars..........
AS much fun as it sounds it is also a big commitment and to me a little backwards if you're saving up for a boat to do the round the world
trip. I would say you would be better to invest and once you buy the boat in 15 years to pay someone that is a really good cat sailor to come with you until you feel comfortable and in the mean time find as many opportunities to go sailing as possible.
Every job on a boat takes twice as long as it should and cost twice as much as it should......you pour money