Re: $3000/mo cruising budget
Very much appreciated Zephyr's input. Counter argument is wait until you need it before putting major improvements. First year with our boat was coastal with some multi day hops. Both my wife and I continued to work. Had no need for generator or watermaker or Sat phone. Installation about the same cost if done before or after building as builder put in appropriate electrical/plumbing knowing they were going in at a later date. This allows funds to grow until expenditure required.
Had ssb and all electronics installed with building in hopes of ridding of gremlins and learning use before taking off. Held off on satphone as believe prices will fall and technology improve.
Had detachable storm jib set up after building as wanted to research exactly ho to do it but deck fitting installed with building.
In short would advise improvements should be done after you are comfortable you have made the right decision and just before you actually need them even if this means it will be done after salary tap has been turned off. Still agree the should budget before hand.