I am retired from my career having worked hard and investing instead of wasting money during my working years. Our boat was our home. You do realize that I sold my land home to purchase the boat. You could probably do the same thing today if you sold your home and purchased a vessel to cruise on. All you need to do is make the decision. There are some really good deals on boats you can live on. With the difference between the sales price of your home and the boat you can subsidize your cruising for a number of years or until SS kicks in to help.