Step 1. Take out a second mortgage on the house.
Step 2. Blow it all on a weekend in Vegas
Step 3. Explain to your wife why the bank is calling. A lot.
She's either going to go with you, or divorce you. Either way, you get to live on the boat.
Seriously, sit down with your wife and find out if she would be interested in long term cruising in the future. If the answer is yes, lay out a timetable that you are both comfortable with- longer cruises next season and the season after, then cruising full time.
Either that or do a cost/benefit analysis on selling the house, buying a bigger boat and living the vagabond life.
It's 5 o'clock somewhere:
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