It doesn't matter what boat you have as long as it is safe for what you want to do.
Find that out first,no good spending years on a blue water boat and spending a fortune on god knows what if all you want to do is the east coast and or the Bahamas.It is possible to do that on day trips no need to be ocean sailors.
My husband and I (sounds very royal huh!)both started sailing in 1999(never been on a sailboat before)We both have children from other marriages.In 1999 we sold our house gave up our jobs(both then mid 50's) invested the money from house and set off down the ICW from Lake Erie spent the winter in the Keys then back to the lakes then in the fall back down again to the Bahamas.We did this with never an overnight sail.Had 1 tropical storm 1 hurricane and had the time of our lives and did it in a 1962 Tartan 27.
I say dont prevaricate if you want to go go simple and go NOW! The longer you leave it and wait for everything to be "perfect" the less likely you are to set off.
My 2penny worth.