poparuss wrote:As of today, my only skillset is fluency in English (native born American, but only some college, no degree.
The bad news is that without a degree, there are very few places left in the world where you can legally teach. This is because a degree is a requirement of most work visas. Neither experience (related or otherwise) or vocational qualifications will be accepted in lieu of an actual degree. This alone rules out the Middle East and most of Asia, not to mention most (all?) native English-speaking countries. In any case, all of these countries/regions have upper-age limits ranging from 55-65, so the likelihood of a retiree of average age finding work is slim.
Europe, or at least the EU, is also a no-go as EU hiring laws give preference to European citizens. Before hiring a non-EU citizen, employers first have to prove that there were no suitably-qualified EU citizens who could do the job. When it comes to English teaching, this is not a very likely proposition.
poparuss wrote:... just want flexibility to travel abroad while earning a decent living.
It's a common misconception that travel and TEFL go hand in hand. They don't. Schools tend to require teachers to make a 6-12 month commitment, which means staying in one place, and not taking holidays during term-time.
With regards to salary, it's worth noting that outside of the Middle East, Korea and Japan, salaries are generally low, and in many places they are little more than subsistence level, meaning that you can survive in-country, but can't usually afford lots of foreign trips. In your favour, you would at least be financially secure getting into TEFL, so the need for a decent salary would be minimised.
poparuss wrote:What would be the most budget friendly, practical steps to take right now, to make myself marketable and create such an option for the future?
To my mind, your best bet (or perhaps only real option) is South America. The demand for EFL teachers is quite high, and while degree-holders may be preferred, plenty of employers will hire non-degree holders. However, as mentioned above, salaries, both for those with and without degrees, are low; you could earn as little as US$500pm. Another consideration is that many employers are reluctant to organise work visas. For more on working in South America check out http://worldoftefl.com/latin-america/
and, to speak to people with current/recent experience, in the region, try the appropriate forums on Dave's ESL Café (http://forums.eslcafe.com/job/index.php
My advice would be to choose a country/countries that you like the sound of, and do LOTS of research.
Hope that helps, and if you have any other questions, please ask.