The article failed to mention a few key points. 1: Her partner also contributed $35,000 towards the boat, which is very much an ocean-worthy craft. 2: She bought her condo some years ago and will rent it out at a profit during the year they are away. 3: They have plans to Airbnb their moored boat when they aren't sailing locally themselves. This is pretty lucrative in these parts and will help finance their trip and outfit the boat with top navigational and safety gear. 4: He is an expert sailor and she will be by the time they embark on their voyage. 5: She crews on another boat for fun and experience. 6: Re: the BOAT acronym - you could say the same for horses and other passionate pursuits. Their careful plan will allow them to live their dream while staying financially solvent. That's far more exciting than sitting home and watching the erratic graph of an investment portfolio.