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  #11  
Old 04-22-2011
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Quote:
Originally Posted by jcwhite View Post
Your starting is age 22, halfway through a degree, with about 6k of your own money and the option of a 20k, low-interest loan. Would you buy a cheap boat, cut
I hate to tell you this but cruising is just not that exciting. Its not a full life thing for a 22 year old for the next 40 years. Man you, or anyone would be bored stupid.

Every island with clear water, white sand and coral could be any one you've seen a zillion times. go blindfold a cruiser and stick them on an island and it wont be unique to them.

The boredom of fixing up a crap pile and the boredom of social activities with retirees in their 60s or 70s would hit a 22 year old for the boundary.

And theres no snowboarding!

Further, a person smart enough to do a degree but doesn't will be half educated for life. You will get poor jobs and have a less knowledgeable outlook on the world.

So if I was doing it again I would finish the degree then get the highest paying jobs available not necessarily in the area of the degree (computer software sales to corporates is a good money earner).

Then think of cruising as a 10 year or so adventure i.e just a fraction of you whole life.


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  #12  
Old 04-22-2011
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I have no real regrets with my past choices, but if I knew then what I know now...
(Quick background: I started with $0, worked hard and played hard through school. This landed me lots of early debt that I worked hard to pay off)
I would live even more intensely at age 22-30 than I did; as an avid motorcyclist, car enthusiast and outdoor sportsman, I've had very many expensive hobbies. If I were to do it again, I would live more economically so that I would be better financially now. For example, instead of buying a NEW motorcycle, as I did, under a loan, I would buy a used motorcycle; Same amount of fun, far less depreciation and more money for traveling on it. Instead of a NEW 'first car', I would buy a used 'first car' so that I would have more money to buy the shiny car of my dreams later.

I learned my lesson; I am just buying my first boat, a used, small Contessa. Hopefully this will keep me better financially for my big shinny Whatever 38 down the road.

Live life as fully as you can and realize you don't need to spend the most money to do it. Steer clear of debt that works against you (i.e. car loans) and only accept debt if it works for you (i.e. mortgage, margin). There's no freedom like freedom from debt. :-)
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  #13  
Old 04-22-2011
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Quote:
Originally Posted by MarkofSeaLife View Post
I hate to tell you this but cruising is just not that exciting. Its not a full life thing for a 22 year old for the next 40 years. Man you, or anyone would be bored stupid.

Every island with clear water, white sand and coral could be any one you've seen a zillion times. go blindfold a cruiser and stick them on an island and it wont be unique to them.

The boredom of fixing up a crap pile and the boredom of social activities with retirees in their 60s or 70s would hit a 22 year old for the boundary.

And theres no snowboarding!

Further, a person smart enough to do a degree but doesn't will be half educated for life. You will get poor jobs and have a less knowledgeable outlook on the world.

So if I was doing it again I would finish the degree then get the highest paying jobs available not necessarily in the area of the degree (computer software sales to corporates is a good money earner).

Then think of cruising as a 10 year or so adventure i.e just a fraction of you whole life.


Mark
Perhaps, but cruising is not all about cruising. For many it's the adventure of discovering a new culture, meeting the locals, learning a new language, eating new food, volunteering and helping a country better itself.

Sure if you only cruise and anchor and never go to shore you will be bored in no time. It's like the people who travel and never leave the resort to experience the real culture of the country they are visiting.

You can spend several months on each island learning something that school cannot teach. To each his own, but when I hear of somebody spending 100k on schooling I shake my head. It's no wonder that our society is in such great debt.

Many people have been cruising for 40 years plus and earn a small living to fund the kitty. It all depends on what you want in life. Do you want to keep up with the Jones or be the Jones?
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Old 04-22-2011
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The woman you marry will have a lot to do with it. In my thirties I gave up sailing because the woman in my live did not like it. I took up sailing again after retirement and do that without her, but I doubt I will get into cruising if she is not onboard with it.

Last edited by LakeSuperiorGeezer; 04-22-2011 at 01:52 PM.
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Old 04-22-2011
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Quote:
Originally Posted by LakeSuperiorGeezer View Post
The woman you marry will have a lot to do with it.
This is sadly true. I rarely get to ride the motorcycle anymore. The wife refuses and the dog puts up a serious fight too...
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Old 04-22-2011
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Quote:
Originally Posted by JordanH View Post
This is sadly true. I rarely get to ride the motorcycle anymore. The wife refuses and the dog puts up a serious fight too...
Attempting to ride your dog is just plain sick.
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Old 04-22-2011
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pahahaha! You twisted Canadians.
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Old 04-22-2011
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Don't go to law school now unless you can do it for free, or unless you just want the intellectual stimulation and aren't expecting a return on your investment. The market for law grads is bad, has been for a couple of years, and doesn't look better for a while. Law schools are overbuilt and continue to flood the market.
Buy a boat you can buy without taking a loan, keeping in mind the cost of dockage and maintenance. That may mean a trailerable. Learn to sail it well and you'll be ready to step up when you can afford it.
My approach is conservative- work before play, but play hard. I think we live in a culture that doesn't believe people can starve to death or freeze to death because someone else will rescue them. Those days may be coming to an end.
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Last edited by msmith10; 04-22-2011 at 10:31 AM. Reason: more info
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  #19  
Old 04-22-2011
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Quote:
Originally Posted by jcwhite View Post
Your starting is age 22, halfway through a degree, with about 6k of your own money and the option of a 20k, low-interest loan. Would you buy a cheap boat, cut out and cruise thrifty? Would you finish the degree, go to law school (you've got the grades, but that's a lot of tuition debt), and work for 20 years before buying a really fancy boat? Would you build your own boat over five years, making it perfect? Would you buy a dinghy and live a normal life on land while playing in the bay, and call that good enough? Would you raise a family and charter somewhere warm once a year? Would you curse the sea forever and go raise cattle? Would you [insert other idea here]?
22 seems so young and callow from the viewpoint of 52. However... I would do what I did. Not that there aren't plenty of times when I have asked myself the "what if" questions.

I think that my 22 year old self would need to ask myself what is important to my life.
  • Do I want to live a life for yourself, or do I want to live my life for something greater than myself?
  • Do I want to have a family, not just some woman (or women) and a kid or two, but a real family?
  • Do I want to be a part of a community (not virtual) where people will know me, touch me, and share their lives with me?

I decided to get an education that I could use to serve my patients and to earn a (marginal) living. I chose to stay in my community and become someone who is known, respected, and involved in the life of the community. I chose to commit to marriage and raise kids. I've been married to the same woman for 29 years now.

Those choices have worked well for me. It did mean that I traded a number of things over the years to get what I wanted. I traded more money, more adventure, toys, play time, etc to receive personal fulfillment. However, after many years, my wife and I did decide to sell my late father's sailboat and buy our own.

The key is to figure out what your core values are and pursue those. If it is possessions and wealth, then a cruising life is probably not a great choice. If it is long-term close relationships, then you may have to think carefully about what may be a vagabond existence. If you want to make a difference in this world, then you would need to carefully plan how that can be achieved through a cruising life. Most importantly, do you want a family? What kind of husband or father do you want to be? What life do you want to offer your children? All these can be hard to answer at 22?

For me, there was a reason we named our boat what we did.
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  #20  
Old 04-22-2011
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I just ran across this passage in a book by D. E. Stevenson, Music in the Hills, and thought of this thread: “My brother, Alexander, thinks I am a failure,” said Daniel with a little smile. “He’s a success, I’ll admit that, but all the same I wouldn’t exchange with him. There’s two sides to life, work and play, and his are separate—office and home—but mine are mixed. I wanted to see the world and I’ve seen a good bit of it; I’ve seen more than most folk. I’ve enjoyed working my way along; it’s what I like…”
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