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just my opinion: you need at least 40' and even that will get cramped after awhile. Make sure you invest in good marine plumbing that allows you to take REAL showers and flush a toilet the old-fashioned way.
Some things to consider:
1. Not all marinas allow live-aboards
2. Rent may be cheap at $600-$800 a month, but add that to your boat payment, utilities, and most importantly: the maintenance cost involved with keeping a boat this size in saltwater. I would estimate this expense @ $300-$500 a month additional.
3. I had a friend who did this and the novelty wore off pretty quick. What will you do when this inevitably happens?
4. You will get boat fever pretty quickly even on a 40' boat. Make some friends fast and visit them often!
That being said, DO IT! I think it will be an awesome adventure if only for 6-12 months.
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