I'm planning to be on the water by 40, and I'm 33 right now. Hopefully I will be on budget in the next 2-3 years, and start on the boat. I'm looking at old steel hulls and planning to build it to meet my specs and needs. Utilitarian, not a luxury yacht. But nice enough that I won't be out of place in a nice marina. My dad died the day before his 53rd birthday, and his dad was in his late 50's, so I have planned on not living forever. I also had spinal meningitis when I was young and wasn't supposed to see graduation, so yea, I do want to live to see retirement... I've gone from a 6000 square foot house to a doublewide to save more money and get used to less space. That alone took 10 years off of my projected retirement date.