I am a 48 year old IS Director at a local hospital. I work 7 days a week, almost every week of the year. I am constantly stressed at work, and want to retire before I get too old to enjoy being active. My wife is quite a bit younger than me, by 20 years, but we share many of the same intrest, and we have an excellant relationship. We are not fans of people, and we like our privacy and space. My wife and I love to fish
, and try to get to the coast at every oppertunity. I have never stepped foot on a sail boat.
The Old Plan:
Our origional plan was to sell the house and buy acreage to start a self sustaining farm (the wife loves animals). While researching being a land owner, I realized that the cost would never stop growing. It seems un-sustainable in a retirement
situation. You can never truely own property, you will always be paying ever increasing property taxes
. With all that in mind, I switched to researching cruising. I was hooked after just a couple of hours of reading on the internet
. The life style is so appealing and I was astonished at how low cost the liveaboard
lifstyle could be.
My 2015 resolution is to become debt free as soon as possible. We have a couple of new vehicles that wont payoff for four more years. I'll need to double up on payments and cut that in half. We have started the process of eliminating unnecessities from our life. We have 6 trash bags of clothes and shoes to be donated to a local church. I have been culling through belongings for weeks. I read that it took a long time to unload a life time's worth of belongings.
The Future Plan:
When the cars are paid for and the house is sold, we are looking at relocating to Cape Coral
FL. With a small nest egg in hand, I want to find a job (in my field), and a 30 foot plus boat. I have only a few boats in mind, and I am sure my preference is arguable. My first choice (as any newbie) would be the 2000 model lagoon
340 cat. I've looked
at many of these and am quite sure I can get a decent one around 75k. My second choice would be the Beneteau
1990 to 2000 model at around 50k to 75k. The cost of a wet slip in the area would run about $600 a month with electric
. Slip fees
combined with a boat payment, and our cost of living will be cut in half. The new goal will become refitting the boat and getting it paid off. The monthly cost of sailing varies among bloggers. I've read that costs can be as little as $500 a month and as much as $2000. $1200 seems about right to me, so that is the goal. My best guess is 12 months of
savings equals 12 months of sailing. Five years of slaving away in Cape Coral
, and I hope to have the boat paid for and five years of sailing funded. By the time we start sailing I should be very close to receiving social security
(provided it still exist) which I hope will carry me thru.
BVI by 2025