Retiring soon... - SailNet Community

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  #1  
Old 1 Week Ago
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Retiring soon...

Ok, here it goes, uve heard this 1,000,000 and 1 times now. I'm 56, have a small dog, work for the state of AZ. Will retire in October of 2019 and am going to do the live aboard in the USVI aboard between a 40 to 50 ft. Sail boat. As I don't think I can afford a power boat. I'll have my state pension, plus my SS at 62, 2 years later. My health care will come from the VA on St. Thomas, as I'm a partially disabled veteran of the Navy. I've just started to research boating. Studying all the costs and such. Hoping this is a good place to start. Ok now, let me have it, in all its raw glory !!
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  #2  
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Re: Just beginning to shop around... would love feedback/ideas...

Hi Eric , so far what kind of sail boat interests you ? Older classics , new type modern ? Sloop , cutter , ketch ?

Last edited by Markwesti; 6 Days Ago at 12:31 PM.
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Re: Just beginning to shop around... would love feedback/ideas...

Nice to know, thanx. But I'm pretty much putter iliterate. Took ten min to sign up. Not sure the differences of boats. But I want some room. Couple of cabins min. Heads and showers for sure, water maker. I will be checking on auto pilots as well. That was my first post as this is my second. With many more to come, so be patient with me. Not sure where to go fir what, so I just type in stuff, not knowing where I'm going.
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Re: Retiring soon...

Eric
How much sailing have you done?

I would suggest taking a course with an ASA sailing school in the USVI and also use that time to check out what boats are available for sale there.
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Re: Retiring soon...

Sea of Cortez sounds like a better place and and a bit closer to home...
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Re: Retiring soon...

Colin hit the nail on the head. How much sailing experience is of paramount importance. Living aboard in that part of the world is not as easy as some folks think. And, you have to be able to get out of Dodge when the hurricane season hits. Riding out a hurricane, even in a 50 footer at an anchorage, just ain't a smart thing to do. I wouldn't ride one out in my marina if I were tied to the dock. Too damned dangerous.

All the best,

Gary
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Re: Retiring soon...

Quote:
Originally Posted by Eric View Post
Ok now, let me have it, in all its raw glory !!
Good luck and have fun!

BTW - The actual sailing part of the plan is easy to learn, don't let people try to convince otherwise. You can learn the sailing just as well living on the boat in a nice tropical setting as doing weekend warrior sailing somewhere else.
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Re: Retiring soon...

Don is right - sailing isn't rocket science. The sailing part is easy, navigation is only slightly more difficult, but keeping the boat in good operating condition requires a lot of time, patience and money. They don't call em boat bucks for nothing.

Gary
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Re: Retiring soon...

You might want to read a few books and blogs from people who have done and are doing what you are planning.

How much can you afford to pay for the boat?
How much will your monthly budget be?
Will you have to travel to the states often to visit family friends etc.?

Just a few basic principles.

1. Boats are expensive and you pay by the pound not the foot. For example maintaining a 40' boat typically costs 4 times what it costs to maintain a 30' boat. A 50' boat will be substantially more money to maintain than the 40'. Maybe not double but close.

2. Most people don't live in the USVI full time and certainly not on a boat. Storms are rough and you may not be able to afford insurance on your boat for the storm season.

3. The vast majority of people who live on boats that do not have a lot of money have significant skills in fixing their own boat. If you don't have those skills and are not likely to acquire them it is even more expensive.

4. If you have limited repair skills, limited sailing experience, and a boat that is new to you you may have a struggle finding people to help you move the boat except for paid captains and even many of them might pass. If you want to move the boat from the BVI to the Rio Dulce for example for hurricane season you will probably want help.

Anyway you can make your dream happen in lots of ways. The above are not obstacles just items to consider and plan for.

You can certainly put together a plan to make what you want to do in a few years.
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Re: Retiring soon...

Hey Eric - You kinda talk about this sailing thing like it is, at best, a financial plan. Maybe you want to try to find something you really like and pursue that. Nothing about life on a boat is simple -- and everything gets harder as you get older -- so doing this just because you might get to camp out in paradise might sound good on paper but might not be so great in practice. Good news is, it sounds like you have a decent retirement income and some choices ahead or you! If you really love the water and sailing, you'll have plenty of choices. I agree with those who suggested that you start closer to home with a simpler plan. Liveaboard sailors are a tiny subset and if it was simple to do in a tropical paradise they'd call it NYC.
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Last edited by blowinstink; 6 Days Ago at 05:07 PM.
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