You look young enough to restart say you lose everything. When I say 'sell it all', I'm speaking of assets. Stuff by and large is useless, I agree. At my age, if I 'sold it all' and bought a big cruising boat and started to live off the proceeds, that has a good chance of becoming a huge mistake.

Boats, not only depreciating liabilties, are hard to insure for any reasonable return on a total loss for a cruiser. Assets like realestate on the other hand are easy to insure and appreciate. On top of that, when you liquidate your home, you take several hits-in several directions, including seeing the opening to get back in, shrink. For that reason I would advise anyone of any age not to trade housing equity for a boat unless they're quite young enough to absorb the added real cost of doing so.

I applaud you for the life you live, it's full and fascinating and includes a lot of travel and sailing, my all time 2 favorite pastime. On the other hand, the couple Jon posted that just lost 'everything', is saddening.

My problem is that as I get older, I'm finding my work-and sailing, more rewarding every year. We're planning some seasonal(NE area) cruising in the next few years but I'm torn as to how much I want to divide my time. We both love the life we have here.