Frank & Patty Fabian are the philosophical opposites of last week's guests, Ted & Claudia Reshetiloff. But their story is no less inspiring. Where Ted & Claudia packed up their working lives, yanked their young kids out of school and set off for new lives in the Caribbean, Frank & Patty took a more deliberate route. Learning the ropes for 17 years on their Catalina 30, they taught themselves ocean sailing, worked hard and saved harder, and finally bought a Leopard 48 catamaran - for cash - to set off with the Caribbean 1500 rally and realize a nearly lifelong dream.

Newly retired, the Fabian's told me their story from the luxurious cabin of Sunsplash. And you can sail with them! Visit sailsunsplash.com to book a crewed charter with Frank & Patty in the Virgin Islands (I didn't even know they were running a business on the boat until halfway through this conversation!). As an aside, they offer some very simple yet GREAT financial advice within for those looking to follow in their footsteps, young or old.

Want to go ocean sailing with Andy? Sign up for an offshore passage at 59-north.com/events.