I can't tell you what you should do, but if I was in your position...and I see myself approaching that phase at some time in the not-so-distant future...I'd kick the can down the road about a year at a time. I'd rather delay an important decision and get it right rather than make a mistake and live with the regrets.
I'd much rather regret not selling my boat last year than regret selling my boat last year. The former is much easier to rectify and not nearly as expensive.
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