You have a long four years ahead of you buddy. Hobie was serious. I went to Europe for 6 weeks on $3,000. (Or was it 4,000 ... I don't remember, but I bought a ticket for 600, rail pass for 6-800, and tried to stay in $50 hotels with my girlfriend, who I am now married to, and we backpacked, although I technically had a interchangable backpack/suitcase with wheels.) Take out a loan for that much ... that's NOTHING, considering you will never have the opportunity to do it again for a decade or two. The sad thing is, I bet you have that in the bank right now and are too afraid to use it. Seriously, there is no point in preparing early, and there is every point in doing a vacation that you will never forget. You won't remember how awesome that wax-up you practiced with is, but you will remember the Eifel tower, the Mona Lisa, and eating cheese and wine on a blanket in Paris.
Wow! It looks like I feel strongly about this. I just really feel for you. You look like you are in desparate need of a paradigm shift. Feel free to PM me.