Your ONE piece of wisdom...
Don't sit and plan for the future, you're in it! A sweet piece of advice that stuck with me is this: Keep your boat 15-minutes-to-sail. Everything has a place and always returns to it, your headsail is on deck, your lines are run and dressed, your engine is tuned and fueled, and you have extra food and water tucked away.
Then the first free second you have, you can hop aboard, motor into the bay, raise your sails and GO!