Take a vacation
, go down to KY, talk to the people that live there, figure out how they get by.
One thing that you will find is the vast majority of people you talk to have been there for less than 6 months, most in truth are not getting by really. Nice people, they have done nothing wrong, but you don't want to emulate them.
Look hard, find the people that have been there for more than three years, buy them a beer
and pick their brain, after you have met several, been to where they live after becoming friends, then you and the wife can have a serious discussion about how.
Now its just a dream, and this if fine, nothing at all wrong about dreams, we all have them, normal people do. To a great extent its what gets me up in the morning and makes me go to work
( for one more month
Oh, BTW Garrison Bight marina if that is its proper name is full of house boats, floating houses really, but I bet they go for stupid prices, but they are there