Uh-oh, you've triggered one of my favourite topics: cost-conscious cruising. Get ready, because I do enjoy dispelling myths about sailing. :)
People think sailing is expensive, but it is absolutely within reach for the middle class, as long as you are willing to put in the work to do your own maintenance and repair. Look at your average small-city marina and you'll see that most of the sailboats are 30 to 40 year old fiberglass production boats. They basically last forever if you take care of them and at that age their cost depreciation curve has plateaued. So, the cost of entry is reasonable and relatively risk-free.
If you have any interest in sailing, I recommend checking out your local marina to see if they have a weekly keelboat race. Many sailors love to race and they always need crew. This is the best way to learn to sail for free. If you don't like the pressure of racing, you can sign up for a learn-to-sail course for a couple hundred dollars.
If you enjoy that experience and want to cruise, I suggest reading a few practical books about cost-conscious cruising. Don't watch the hot young video bloggers sailing million-dollar catamarans for YouTube and Instagram. Much like Linux vs Windows or open-source vs closed-source, sailing is as much about philosophy as it is about execution. You can spend big bucks on the latest and greatest, or you can buy old hardware and revive it with some learning and elbow grease.
The most common question in cruising is, how much does it cost? And the answer is, strangely, it costs as much or as little as you want to spend. You can spend millions or thousands of dollars, depending on your skills, your willingness to learn, and what you are willing to live with. I know a couple that lived for a year sailing the US East Coast in a 22-foot sailboat that they got for free. That's an extremely small cruising boat, by the way, with just a bucket for a head.
Think of sailboat cruising like living in an RV: you can live in an old 1965 VW camper van or a tent trailer or fancy stainless steel Airstream or a huge diesel Winnebago. It's up to you, but there are trade-offs. You can probably buy a broke-down old camper van on the cheap right now, if you are willing to learn to fix it up and then live in a very small space. Or you can work and scrimp for half a lifetime to afford that huge Winnebago. Most of us would pick something in the middle, making trade-offs between comfort, time, and cost.
A good book to start thinking about the philosophy of cost-conscious sailing is "Get Real, Get Gone" by Rick Page. Their philosophy is that small and simple is better than big and fancy for a whole host of reasons, not the least of which is affordability and the ability to get started sooner than later. But be careful. If you read it, you may ditch your life ashore and end up a sea gypsy floating around the Caribbean in a small boat learning to fix diesel engines!
Also, by the way, there are plenty of smart, nerdy, do-it-yourself sailors. There is significant overlap in attitudes and mindset between the do-it-yourself sailor and the self-hosting computer nerd.
But truly, I hope I have convinced you that sailing is not only for the rich. It is for the adventurous. As a matter of fact, I'm heading out today for a week of wilderness sailing on board my very affordable sailboat. Maybe I'll see you out there one day!