Is the Falling dollar changing your plans
I don''t mean to treat lightly the big challenge it is to fund one''s retirement successfully...and I can appreciate that it''s a lot easier to say ''to hell with tomorrow, go smell the roses'' than to live with the consequences several decades (and much inflation) later. But one learning for me is how ''cruising'' is much more a state of mind that it is a geography challenge, and that''s why I suggested that you consider adjusting your goals a bit (re: what the boat gets from your wallet, and what you do with it).
For some, even relocating to warm, sunny Florida (or wherever you are drawn to) and seeking out hourly jobs for six months to cover living expenses is a fresh experience with lots of fun, no work-related anxieties such as we often experience in ''real jobs'', and a change of venue and chance to explore. Perhaps that''s nothing more than acknowledging that half a loaf''s better than none. <g>
Good luck on sorting out the puzzle!