Where the hell do these people come from?
In a way it's about your priorities, compromise and how bad you want it. Some people sold their house, took a sabbatical, sailed away. I know one young couple with three kids who did that. She's earning money as a technical writer as they sail around the Pacific. Others are retired and may be living off of their retirement income. If there is no house to maintain, the money goes to the boat. Some people rent their homes while they cruise. Health care is an issue. In the US we pay more and get far less than in other countries. I know people who chose to retire to other countries for that very reason.
Get rid of the ultimate cable package with every sports channel you don't even watch, the Netflix, pedicures, car payments, $100 haircuts, restaurant dinners 4 nights a week and whittle your expenses down to the absolute minimum, you'll be surprised what you really
need to live on. You'd also be surprised at the sheer enjoyment you get out of watching the sun set and the stars come out while you sit in the cockpit or dangle your feet over the side of the dock instead of watching Swamp People on TV, or how much you enjoy taking a walk in a new coastal town and soaking up the history it can show you instead of playing xBox for hours.
It's not all roses and tiki bars. There is the danger of crossing an ocean, being away from family and friends for long periods of time, the awkwardness of being in countries in which you may not know the language and in some cases the sheer astonishment of finding oneself in a small space in the middle of nowhere with a person you thought
you knew before you had to spend so much time with him or her.
We're planning to eventually cruise just part of the year. Year-round and cutting all land ties is not for us. In the meantime we learn all we can about the lifestyle and where we plan to cruise and otherwise get our ducks in a row.