I can't imagine living aboard right now. We don't have a mortgage, car payments, or kids. We do have the others... Cell phones, internet, and the costs of living. Those, in themselves, keep us living paycheck to paycheck at times. It amazes us how expensive it is to live and often comment how lucky we are not to have the car payments and such!
Sounds like you have lived a live aboard lifestyle that I wouldn't particularly enjoy.
1971 23' Oday Pop Top
You can't steer a boat that isn't moving? Just like a life - P. Lutus