If your not financially flushed with cash , Time is your enemy , I lived on my boat for about 5 years . All the little things got done , she looked great. Moved ashore , spent lots of time "working " on the boat ,not a lot of sailing. Sailed up north from Sydney to the Kepples a few times , awesome.
Decided to do a little bit of work on her , two years later she looks like a derelict, masts off etc. COVID and other things stopped progress. She will return to her former glory , it's all cosmetic. Just need some time , can't buy that unfortunately. She sits happy , mooring serviced , visited often , to make sure all is well , the needed parts sit in my spare room , a week on the slips and we're good , next cruising season is ours. Chase your dreams while you can , time won't wait. Unless you enjoy working on boats , don't buy one. Some of us enjoy the process of fixing and maintenance almost as much as sailing, it's like tinkering in the shed on water.