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: