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Wow - did this ever get off track!!!!
My whole life has been about embarking on new tacks without a whole lot of preparation. I live pretty much by letting my heart guide me forward and hoping my head catches up eventually. I expect my "retirement cruise" to be pretty much the same. I suspect it's a little like having children...if you spend too much time counting the costs and trying to figure out if you can "afford" them, you'll never know the joy of being a dad. Same goes with marraige, I suppose. Anyway, when my time comes, I'll sail away with my Bride and we'll just take it from there...
My advise: don't spend too much time calculating your budget or you'll never get off the dock.
V/R
Dave
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