Can you afford NOT to continue sailing???
Face it, it's a 'decompression' sport. Relaxing and recharging yer [inner] batteries. It'll smooth ya out, make you more even-tempered and mellow and better able to deal with the day-to-day stress of work/marriage/kids whatever.
Mebbe an approach like that?
Or; do a comparison budget vs golf or bowling in a league?? I did a few Regional matches per year. It worked out to much less than a (cheaper) vacation [for one] at the Shore. That and a couple weekends away were good for my soul.
I'm sure sailing will fill the same bill!