There are a lot of potential benefits to Terra Nova's suggestion:
You learn on someone else's boat, and if you help him or her do the maintenance
, you'll learn about ownership
costs and the labor involved. Owning a boat is not like buying
a surfboard. Boats' stuff wears out, and needs repairing or replacing. Working alongside a knowledgeable owner can be a spot from which you also learn how to do new things, paint
the bottom, help change cutlass bearings, pull props. You'll learn a bit about various chemicals and what they will and won't do. The knowledge will serve you well when you have to work on your own boat. The more different boats you sail on, the better you'll be able to choose your own boat because of having experience of boats' differences.. Almost all boat owners will reward a helping hand with a daysail, at least.
Sometimes, if you hang around yacht clubs, you can be "pickup" crew for a race
boat. You will be expected to contribute your labour. They'll train you, you're out on the water
, honing your sailing skills. You learn about skippering from experiencing different skippers. Mostly it's fun, sometimes it's hard work.
All these potential friendships become sources of entertainment and advice for you from your own area. And so it builds.
Good on you for living within your means and saving; that is a skill and a mindset that will serve you well all your life.