1) I'm 28 and fresh into a relatively cozy job after 5 years as a broke-ass grad student. Prior to this job, I didn't really having any savings, so my current income is the only money
to my name.
>>> no savings, first job, no university debt? good!
2) I have no debt, good credit, and very little money tied up in assets -- most of which I would likely liquidate before I set sail.
>>> no debt, credit rating and crediting levels based on first job earnings, if you liquidate assets you cannot turn them into investments equals you need more funds upfront,
3) My tentative plan is to keep the job sufficiently long enough that I feel I can afford to cruise
for a solid year or two unencumbered,
>>> as you keep on working, you WILL find this point moving ahead of you, vanishing at times; to most, the point is their retirement
point, if they live that long,
4) then work as needed/wanted, depending on what I want to do from there
>>> likely only if your education is towards a free lance job, not likely as you stated "cozy job" @1), if you want to free lance later, start free lancing now, be ahead of the game
, build your portfolio and your client base NOW,
5) I've been been reading everything I can find and have seen a lot of different opinions abound on "how big and how much".
>>> different people, different mindsets, different budgets, swallow it,
6) Solo liveaboard
>>> imagine 25 to 35 ft bracket,
7) Blue water
>>> imagine +40ft bracket,
8) Option to accommodate a crew member
or two along the way (i.e. separate sleeping arrangements)
>>> imagine a modern layout, or else a bigger, old style boat,
9) In decent shape, but am willing and prepared to spend considerable time and money making it sea-worthy
>>> imagine 30k+ bracket (at around 30' LOA), then the price
grows in a non-linear manner; willing fine but how able?
10) I plan to rake in the money for 2 years and then set sail. However, I want to be living aboard
as soon as I can make happen.
>>> imagine putting aside some 60k in two years, that's 2k+ savings a month, you have a hella va job! congrats!
11) What percent of my budget should be spent on the boat itself?
>>> about 50% in the boat at roughly 60k budget, then two years of being another marina hobo, then what?
YMMV, see 5)
If you find any negativity just think it must be met with apparent happygoluckility. Otherwise the world would not be in balance. And it is.