I don't know how people live the suburbia life.. I suppose if I were very wealthy I could have a different opinion on it. I just want to get up around 25-30K on the max end for a boat and refitting and another 10-20K in the bank and just go. Set sail, leave for the horizon, stop trying to find life and let life find me.
A reasonable way to do it. You will have lots of compatriots! As many "out there" have said, your budget is whatever you've got. And there is nothing about leaving the marina for the ocean that requires that you never earn any more money. Its not hard to earn as you go.