Your assumption is correct. Our dream is to cruise in the Caribbean for most of the year as retirees.
We have done the whole house/family/JOB thing for far too long. So we are in the process of pursuing this dream and trying to dot all the i's, cross all the t's and get our ducks all lined up.
I simply don't want to wind up in trouble because I didn't know I was suppose to know and do something.