And so it begins…planning for life at sea

expense models with or without debt, on land or at sea, with or without income, start up costs
expense models with or without debt, on land or at sea, with or without income

Two weeks of research and plotting…I have learned enough to know that I should register my boat after I become a citizen and that I should find a harness and life jacket for Jake. It’s about the details.
I have also put together all the living on land and at sea scenarios and what it takes to make them happen…how much, how long, working, not working, living aboard, cruising part time, cruising forever…I would call it the cost of sailing but it’s much less deterministic than all that. Choices.

Building the models itself was very rewarding. I was 8 hours into it before I even realized.  Pretty proud of the outcome…simple lists of incomes and expenses, mixed up into scenarios, and strung along a timeline horizon all embedded with elements of chance and the expectations of a quality of life.

financial plan to get to cruising by year end
financial plan to get to cruising by year end

My very own financial tide chart.
I couldn’t resist.

thoughts...