Shane life is what it is. Cash for service
rendered? What's wrong with that? One mans exploitation is another man's freedom.
You said you wanted to have your own boat. However yacht chef is not a bad gig at all and you likely can save toward the boat if you want to consider it for a while. See new places and get paid for your service
. Just search yacht chef. And you may well find "your" boat in some port of call
My son is 26 and at loose ends and I am encouraging him to expand his horizons. As a skilled welder I have steered him toward yacht work. Travel the world and get paid and perhaps find "his" boat. What a concept!
Were I younger I would be looking for an engineer's job aboard a 120 footer - big enough to pay well but not so big to run you ragged.