Re: The economics of sailing around the world
Go and read Shrimpy by Shane Acton for some ideas on a minimalist circumnavigation.
BTW IMHO he made several major withdrawals from his luck box to begin with.
The Bunfuzzles are also worth a look for another couple who circumnavigated starting with little experience.
However both Shane Acton and the fuzzles had common sense and stickability. You won't get round without some of both.