Dixie Dog: similar advice to JD's, plus a bit. I had a 10-year plan, it took me 12 years....you might want to revise that!
I totally agree on the advice that your first intro to sailing should be with an instructor, for maybe a week-long, first-level course. racing
skippers teach you how to race
, sailing skippers teach you how to live on, handle and commune with your boat! Then try to go sailing with friends or as crew...as mentioned before, it also gives you a better idea of what sort of boat you want and what you want it fitted out with.
I didn't sell my house until almost last thing and wish I had listened to a friend who said "move into a studio, anything you can't get in there you won't get on your boat!". Wise words, I still had a lot to get rid of.
A bicycle is a good thing, but the usual kind rust so quickly - if you can make the purchase
then get a fold-up rust-resistant one.
Now 13 years down the cruising 'road' I have NO regrets, much happiness and will continue as long as I can (ref. thread "how old is too old?"). If I can help in bringing another cruiser into the circle PM me!