I am in my fifties and quit working for other people in my mid-30's. I've always been below the poverty line and still, somehow, I have managed to have a small trawler, and live aboard her in Florida.
Boating is accessible for everyone who wishes it. Those that say they can't afford to boat are lying to themselves. Maybe I cannot boat on the scale of some however I am having a wonderful time on my little boat.
It's about accepting what is possible and enjoying same. I'm glad I "retired" (quit working for other people) young though daddy beat me. He was 31 when he said "kiss my transom" to the world. I was too slow.
If I single woman on a limited budget can live this life, why can't anyone else do so? Only determination decides who will or will not be a boater. Little else matters in the ultimate outcome.
Okay, physical health and strength do play a role. My advice is thus: Don't wait for the perfect boat and moment. Neither happen on schedules determined by man.
Addendum: I know I'm fortunate. That said, I do live without some things others find critical to their happiness quotient. I have not owned an automobile since 1997 nor a television since 1993.
The choices I made then make it possible for me to live aboard Seaweed. Of course I wish for more (who doesn't?!) however I am satisfied working towards goals: tuna door, more solar, batts, watermaker, bigger MPPT controller, etc..
See? I am woman, and I could spend money!