If I'm understanding you correctly you are concerned about the cost of a cruising yacht and would like to put it into charter to reduce those costs. If this is the case I'd suggest that considerable research
is desirable. The Moorings
is a major operator in this area and their website is one place to start.
There has been much discussion on the internet
and this Forum on the wisdom of owning a charter yacht. It is a major financial decision and I'd strongly urge you to fully investigate it before committing.
My opinion is that possibly the cheapest way to start cruising is to buy a blue water
rated sound 5-6 year old yacht coming out of charter with a reputable company.
It may be possible to fly down with a suitcase, pick up the boat and to start cruising from there.
As you say that you have 7 years to go so I'd suggest doing a few charters, upgrading your cruising skills and seeing how things work out.