Read Lin and Larry Pardeys' advice and "Go small, go now." The earlier you start, the better physical shape you will be in and the fewer " necessities" you will require.
My brother and I set out in our 20s from MD for the Caribbean
in a 2 year old Westsail 32 that really stretched our budget
. A great year, after which we were broke. It has taken me quite a few years to rebuild
the kitty to the point of leaving again for long term cruising
, but that first youthful taste of salt
never leaves the mouth.....