You have just been given some good advise. You work for it!!!!
If your question is, how do you leave now and still spend lots of money upgrading along the way (without working) , good luck. I think that there are a few ways: rich relative dying and liking you: inventing a patentable item while dreaming your way across the water: or President Clinton adding a program for cruisers to improve their boats for the expanding family.
I think there may be work in your future. Good luck.