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Do retired people live on cruise ships?

It's hard to say exactly how many people retire and live on a cruise ship because it's cheaper, but there are certainly some who do. Cruise ships offer an all-inclusive lifestyle with plenty of amenities that can make living aboard more affordable than other retirement options.



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Booking Cruises as a Retiree So if you were planning to spend 20 years in retirement, you could spend $1.54 million to live on a cruise ship. To put that cost in perspective, the average 65+ household spends $49,542 annually or around $135 per day, according to the Bureau of Labor Statistics.

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Booking Cruises as a Retiree So if you were planning to spend 20 years in retirement, you could spend $1.54 million to live on a cruise ship. To put that cost in perspective, the average 65+ household spends $49,542 annually or around $135 per day, according to the Bureau of Labor Statistics.

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Is there a cruise ship you can live on? There are several cruise ships designed for permanent living. The World is the only one sailing currently but more are coming soon. MV Gemini is the most affordable option, with apartment purchase prices starting at $1,000,000 plus $65,000 per year for fees.

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World cruises – generally ranging from 100 to 180 days – mostly start in January but here are three mega voyages you can still book this year:
  • 274 nights: Royal Caribbean. ...
  • 183 days: Nicko Cruises. ...
  • 101 nights: P&O Cruises.


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Voter registration cards or Social Security are not considered proof of citizenship. If the child is a newborn and the actual birth certificate has not arrived from the Vital Records Department, we will accept a hospital issued birth certificate.

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Managing Your Taxes When Living on a Cruise Ship As a U.S. citizen, your income is still taxable, even if you're at sea the majority of the time,” Tetreault says. That includes both federal income tax and state income tax if that applies to the state of your primary residence.

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Storylines, for example, is a newer cruise line offering retirees and other travelers the opportunity to purchase onboard condominiums starting at around $352,000 for 172 square feet. At the high end, Storylines offers permanent residences starting at $3.2 million for up to 1,690 square feet.

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Cons of Retirement on a Cruise Ship Staying close to family and watching grandchildren grow could be difficult when you're at sea for months or years at a time. You might also grow weary of the frequent stops cruise ships make, along with your lack of control over the time spent at ports.

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The cost of living onboard a cruise ship varies depending on the type of cabin you choose and the amenities you desire. Generally, retirees can expect to pay anywhere from $1,500 - $3,000 per month for accommodation, meals, entertainment, and other activities.

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Prices started at $29,999 per year for individuals sharing an inside cabin for the cruise, ramping up to nearly $109,999 per year for a larger suite, with Gemini expected to visit 375 ports in 135 countries and seven continents after setting sail Nov.

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Do I need a passport? We recommend that everyone taking a cruise from the United States have a passport book. Though some “closed-loop” cruises may not require a U.S. passport, we recommend bringing yours in case of an emergency, such as an unexpected medical air evacuation or the ship docking at an alternate port.

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On average, a 180-day cruise can range from $50,000 to $200,000 per person. This price includes accommodation, meals, entertainment, and access to onboard amenities. The cost of a 180-day cruise may seem steep, but it is crucial to consider what is included in the package.

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The voyage will begin December 10, 2023 and wrap up on September 10, 2024. Rates start at more than $60,000 per person. People interested in booking can call Royal Caribbean's dedicated line for the Ultimate World Cruise at 800-423-2100 (US toll-free) or their travel advisor.

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