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My wife and I are moving forward with a similar plan, only we will be part time cruising. It all comes down to your personal financial situation and risk tolerance. More challenging in many ways if you have to sell your home etc. and shoestring your effort vs. selling to minimize your lifestyle and re-allocate your assets. For us, we could lose the boat and easily take the financial hit, one reason we own an older less expensive boat. In my endeavors I try to keep the odds of success in my favor.
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