[Jim H]

Good posts on this thread.

Only a couple of thoughts. Things can change fast. Home values change. Peace and war occur. People get sick and have accidents. Some are literally gone overnight. If change can happen that fast, waiting for some grand plan may be more than expensive. It may simply undo all.

Thus, I'd rather sail than plan, right now. The family likes it now, may not in the future. In the end, maybe a long series of smaller trips might add up to being "more" than that of a big trip at some point in the future when all the stars align. As someone more wise than I once advised-- the sailing you do with the kids when they are younger, on a cheap boat you might be embarrassed to admit even owning, may be the best sailing of your life no matter what you have or do in the future.

So, maybe any plan is best, as long as it involves sailing...