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Free Money Finance

Would You Ever Retire on a Cruise Ship?

Posted: 02 Nov 2016 02:05 AM PDT

Here's a piece on how you can retire on a cruise ship for $1 million or less. That in and of itself is an interesting thought and we'll discuss it in a minute.

And before you say it's totally unreasonable to do so, the post claims that retiring on a cruise line is cheaper than assisted living.

Some highlights:

Of course, these are not real alternatives: To live on a cruise ship, you'll need to be reasonably healthy and not in need of the kind of assistance you get in assisted living. But it does offer a useful financial comparison. When you have limited financial resources, assisted living could drain your savings much faster than you’d like – and much faster than living on cruise ships. The national monthly median cost of assisted living is $3,628 or $43,536 annually, according to Genworth Financial. That’s approximately $119 and change on a daily basis.

Living on a cruise ship could let you hang on to more of your savings. To keep the cost of cruising lower than the cost of assisted living, you’d just need your average daily spending to be below that $119 cutoff.

They go on to list a ba-zillion caveats, but the concept is interesting -- to retire on a cruise ship.

A few thoughts from me:

  • I like cruising, but not sure I could live on a ship, especially long-term. I think living in a box the size of my living room/kitchen would get old pretty quickly.
  • There are a LOT of extra costs associated with cruising if you want to make the most of it. Sure, you could avoid some, but I'm guessing $119 a day would be hard to stay under once everything was added up.
  • I could see going on an extended cruise vacation as part of retirement. I wouldn't mind a west coast to Hawaii to Australia to Europe to east coast cruise combination. But I don't think my wife would go for it. She likes the on-shore part of cruising more than the on-ship part. That's why we never take cruises that have less than 50% of the days on shore.
  • Couldn't you get a lot of the benefits simply by moving somewhere awesome? St. Martin anyone?

So, those are my thoughts on retiring on a cruise ship. What's your take on the issue?


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