Step 1: Determine how many months you want to cruise.
Step 2: Take the amount of cash you've got, can raise, or will have when you leave, add in whatever total monthly income you expect to have, (pensions or annuities or investment income) subtract the cost of whatever boat you plan to buy, add 25% of boat purchase price for refit and add-on costs, then divide the total by the number of months you want to cruise.
Now you have your monthly budget. How you spend that budget is up to you. You can spend it in marinas and eat ramen noodles and canned beer, or you can anchor out and drink good rum and eat conch and crab.
It's 5 o'clock somewhere:
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