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Here's what it's really like living on board, based on my experience. In most cases, you can't take pets with you on a cruise, so that can be a drawback for many retirees. Sometimes I get tired of going to the same port, but it's been an interesting experience, and I'm still loving it. Most of the time, I'm so busy that I don't even notice we're at the same place — I just know I'm not in an apartment staring at the wall. I've scaled back my cruising budget for next year because of inflation, but by 2025 I'd like to get rid of my apartment, sell my car, and purchase a scooter that I'll store at a friend's garage.

The easiest way to travel full time? See what a 28-year-old paid for an apartment on a cruise ship
In theory, you could get a work-from-home job and work on a cruise ship, and potentially save yourself tax money by not being permanently based in your home country! And if you’re a high earner, it could even be more cost-effective to work at sea since the cost of the cruise fare may be less than the tax you save. Lee Wachtstetter was an American author who began living on cruise ships back in 2005, choosing Holland America Line’s MS Prinsendam as her ship of choice. She moved in 2008 to Crystal Serenity, and I love the reason why – it’s because Holland America stopped providing dancing partners. If you would rather stick to a traditional cruise line, you can still keep prices low, but remember you’ll be booking cruises regularly, and you would need to avoid paying for many extras on the ship.
Cruise Fare/Taxes/Gratuities: $120,000+ Per Couple
So really, the experience is very comparable to a typical cruise ship – the only difference is that you have your own kitchen area and that you’re able to stay on the ship long term. Already some have been pushed back – MS Utopia was originally scheduled for 2023. If you’re interested in living on a cruise ship, you probably need to be flexible on your start year, as plans can change. There aren’t too many of these in existence, but there are some ships that are planned with full-time living in mind, removing all of the worry about making sure you stay booked onto the ship. Arguably the better way to live on a cruise ship is to choose one that’s designed for permanent living. This may work out cheaper, especially on some cruise lines that offer cheap nightly rates and one-way repositioning cruises.
Plan for your healthcare needs
It is possible to live on a cruise ship and there are several cruise lines that allow you to purchase an apartment onboard. Alternatively, you could book a series of short cruises on a mainstream cruise line. It’s no secret that cruises are a foodie’s paradise, offering a number of unique dining options that leave cruisers’ mouths watering. However, all that fine dining and rich cuisine will quickly go to your waistline if you’re not careful.
Restricted living space
Similar in model to assisted living facilities, cruise ships are equipped to handle most medical emergencies in the short term. Onboard medical facilities will typically include X-ray machines, defibrillators, basic emergency medical equipment and an array of medication. By planning ahead, you can have your medications filled before you board. It’s difficult to compare costs directly since ships include different levels of service within their fares, plus you don’t know how long you’re going to want to live on a cruise ship.
How is the food on a long-term basis?

Studios on the yacht range from two to six bedrooms, so you can really splash out on a luxury pad for entertaining guests if you want to. The biggest suites are 9,000 square feet – consider how an average interior room on a cruise ship is around 130 square feet, and you get the picture. Villa Vie Residences is another new live-on-board world cruise option that has an interesting offering. You can choose to own a cabin, or you can just craft your own world cruise by paying for a cabin like you normally would on a ship, for your chosen segment of the cruise. The ship isn’t particularly family-friendly – kids are welcome, but there isn’t much for them to do. Understandably, the ship is primarily aimed at a mature audience as it’s likely to be retirees who wish to live on a cruise ship.
How to start planning for a cruise ship retirement
If you do sail with someone else, that relationship has to be strong enough to endure sharing a small cabin for months at a time. But what about the ultimate vacation of living aboard a cruise ship full time? Believe it or not, there are lots of people that do this one way or another. The small living quarters can make it difficult to have personal privacy or store all of your possessions comfortably. However, this drawback is often outweighed by the benefits of constant travel, access to amenities and services, and the sense of community that comes with cruise ship living. Accommodating regular check-ups poses another challenge in the cruise ship lifestyle as ships often dock at various ports around the world.
That fantasy is fast becoming a reality for many, with cruise ships like the MV Gemini offering a three-year voyage around the world. Cruise ships can offer recreational activities so that you have a way to stay active while engaging with other passengers. As you compare cruise lines, consider what opportunities for socializing they provide. It’s important to think about how you’ll stay connected with the ones you love back home. For example, you may arrange a weekly Skype call, or stay in touch via email, text, and online chats.
What does it cost to retire on a cruise ship?
Tricia is a professional writer and editor who lives in North Texas with her family and one smelly dog. She is a wannabe problem solver, junk food maven professional coffee practitioner, web guru and general communicator. “I believe this is achievable for the everyday cruiser, but it does take effort,” Angelyn shared with CNN. In 1992, Angelyn Burk took her first cruise and fell in love with ocean travel.
By carefully considering these factors, you can find the cruise ship that best suits your lifestyle, preferences, and budget. Finding the right cruise ship will enhance your full-time living experience and ensure that you have an enjoyable and fulfilling time at sea. Before deciding to live on a cruise ship, it’s crucial to thoroughly evaluate these factors and determine if they align with your lifestyle, preferences, and priorities.
They won't hesitate to kick you off the ship if you need more appropriate care on land – and then you'd need to quickly find a new place to live while suffering from medical concerns. For some, the best part of retirement is spending time with family — especially the grandkids. Cruise retirement doesn't rule that out, but it does make it a bit more complicated. It's hard to be the type of granny who can frequently babysit when you live on a cruise ship, potentially thousands of miles away from where the grands live. If your family wants to visit you, they'd have to pay for cruise fare for everyone. Ships are required to maintain medical staff on call 24/7, including at least one physician and two nurses.
How Expensive Is It To Live On A Cruise? - Porthole Cruise and Travel
How Expensive Is It To Live On A Cruise?.
Posted: Thu, 21 Mar 2024 13:04:10 GMT [source]
If you're interested in cutting down the price, here are a few ideas. But anyone who has been on a cruise knows those headline prices are just the start of what you pay. In fact, in our opinion it’s a bit disingenuous of the cruise lines to advertise those prices. Add to that the fact that Internet access allows many to work remotely from anywhere, and wi-fi is widely available on any major cruise ship. That means even if you don’t want to completely retire, but instead work from the cruise ship, it’s technically possible.
Planning and budgeting for these costs will help ensure financial stability and enjoyment throughout your time at sea. Living on a cruise ship full time offers a unique and extraordinary lifestyle that allows you to travel the world, enjoy luxurious amenities, and become part of a vibrant community. However, it’s important to carefully consider the factors involved, calculate the costs, and find the right cruise ship that aligns with your preferences and budget. An alternative to booking back-to-back cruises or buying a condo is booking long-term cruises. Oceania offers 180-day cruises around the world with fares starting as low as $35,899.
Ownership simplifies a few things logistically, and your only additional costs are likely to be port expenditures and/or travel when you opt to leave the ship. You might also be able to rent out your cabin when you aren't using it, helping offset the cost of your cabin. As I approach retirement age, the thought of retiring on a cruise ship has crossed my mind. It can be lonely living on a cruise ship, away from friends and family, so be sure to make time to socialize. Invite someone to share a meal, engage another passenger in chitchat at the bar or ask a new acquaintance to join you for a stroll in port.
Retiring on a cruise is an intriguing possibility, whether you book a year's worth of back-to-back cruises on a traditional cruise ship or purchase a floating apartment on a residential ship. Either way, retirement at sea comes with both advantages and disadvantages. While you will have the opportunity to explore the world and meet lots of new people, you may find yourself missing the people you left behind. While some full-time cruise ship passengers prefer a go-with-the-flow approach to life onboard, others prefer to follow a structured schedule while living at sea.
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