Yeah, daydream for now. And try to find a friend with one. My ideal sailboat is probably big and wide enough that more than two adults can fit in it, but light enough that a couple people can carry it. If it can fit on a roof rack even better. I'd like to be able to bring a cooler and fishing gear, so the little racing designs aren't it. The most inexpensive to build that is still a boat and not a garbage raft with a bedsheet are these things: http://opengoose.com/ Most build reports I found cost between "a few hundred" and 2k. And they look like a plywood box but they're supposed to sail well. At the cheap end people use tyvek for sails: At the other end of the spectrum are boats like this: which took a retiree a year to build and an undisclosed amount of money. But it's a beautiful little boat to drool over. 
