We sought out a different solution and decided to go sailing without being superannuated. Four years ago with young children the prospect of retiring to sail, me at 45 my wife 36 was beyond our means so we reinvented ourselves and instead found ways to earn a living that would sustain the sailing lifestyle. We gave up the day jobs (my wife taught at a university I ran a couple of businesses) and we gave up the house, mortgage, car, running to stand still sensation etc and resolved to find a mobile way of earning a crust. Now I write and my wife teaches languages (she speaks five and when we arrive somewhere places adverts in the local paper etc). It has taken a few years to complete the transformation and it took some adjustment but now retiring for us would mean stopping what we want to do rather than starting it. so I hope I never retire.