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I'm a young guy that's been dreaming of sailing off over the horizon on my own little boat as well. However I've done some SERIOUS investigation into the matter and I have realized that it's not really feasible with the meager resources of your average young man. 10-20k is tough to come up with when push really comes to shove. I went ahead and finished college and now I work full time and year round sailing professionally on a variety a wide variety of boats. I'm putting money in the bank as I gain experience (and I started with a fair bit) and one day I'll have my own boat. But it's going to be a boat I can really believe in, not the cheapest thing I could find that would float. And I've also scaled back my cruising ambitions from world voyaging to a more realistic amount of cruising. I'm getting my world voyaging done on other people's large, safe, offshore capable boats and budgets.
I know this probably isn't what you want to hear, I sure didn't. It's a hard when you realize you might have to compromise on dreams. But it's worked for me and I think it could work for you.
I know everyone is telling you to read books, I've read all the ones mentioned but one book really put things in perspective for me. It's called "The Purpose of Sailing" by Jerome Fitzgerald. It's short, and more of a rant than anything, but I think it will strike a chord with you.
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