Most people who become surf instructors have lived by the coast for most of their lives and started coaching young.
Obviously there are exceptions, but most instructors will have been coaching from high school age.
For this reason, you’re likely to start on a pretty meagre wage as a green instructor and will have to expect to hold a second job to make a living wage.
The way to make a good living is to own your own surf school and build your own business.
Though it might not sound like the free spirited life you were envisaging, having your own business could make a lot money in the summer, leaving the winter free to go somewhere hot to surf yourself.
Could be worse…