Retired couple in their 50s lives on cruise ships, and it costs about as much as living on land
"You don't have to be a millionaire or billionaire to do what we're doing."

A large cruise ship crosses the ocean.
Wouldn’t it be amazing to give up all life's stresses and live on a cruise ship? Every few days, you experience a new, exotic destination, and you don’t have to worry about traffic or cooking your meals. There’s no light bill, no water bill, and no need to pay someone to mow the lawn. It’s great to fantasize about, but that lifestyle is only for the super wealthy, right? Think again, a retired couple from Ontario, Canada, sold their home and lives on cruise ships, and it's surprisingly affordable.
Tori Carter and Kirk Rickman, 50 and 54, have been living on cruise ships since December 2022. The couple decided to live the best life possible after Tori went through a period of hardship. In 2019, she lost a friend to a stroke and her dog, which she loved like a son. She also had a back injury that affected her mobility for months.
“We started asking ourselves, Why wait until we’re old and sick to go on big trips if we can do it while we’re healthy? We were still pretty young—both in our 40s—but since we’d each worked two jobs, we’d already managed to save a good amount of money for retirement,” Kirk told Toronto Life.
So, the couple sold their home, pocketed the cash, and used that, along with some rental property income, as a nest egg to help pay for their new lifestyle. The couple also takes advantage of extensive programs through cruise lines and credit cards to save on transportation and booking fees. Since taking to the high seas in December 2022, the couple has been on 29 voyages across 12 cruise lines, averaging about a month each. Their longest cruise lasted 68 days. "We feel like each ship is a destination in itself," Tori told Business Insider. "Because we live on ships, it's not like we want to party every single night."
“It’s crucial for us to avoid really expensive ships,” Tori told Toronto Life. “You could easily spend a million per year on luxury cruises, but you can ride consistently on smaller boats for not much more than $30,000 each per year. We also save money because we no longer have to pay for things like a mortgage, lawn maintenance, car payments, groceries, and everyday house or yard items.”
The couple shares all of their cruise tips and tricks on their YouTube page.
In addition to finding good deals on cruises, the couple saves a lot of money through reward programs. They use their Visa and Mastercards on as many purchases as possible, including booking their cruises, to maximize their points and perks. They use those points for hotel stays between cruises and flying to ports to hop on their next cruise. They also have Expedia Gold status to get "heavily discounted" travel. Their Mastercard is with WestJet, which gives them a free companion voucher every year and credits to pay down travel costs.
The couple also make liberal use of Carnival Cruises' stock perks. By owning shares in the company and booking through travel websites, they’ve earned $4,340 in money they can spend on the cruises. When you add it all up, they spends about $7,337.49 per month to live on a cruise ship, which is about $118 per person, per day. That includes food, cabin, and onboard amenities.

Even though the couple has lived at sea for most of the past two and a half years, they show no signs of wanting to stop their nomadic lifestyle. "The most exciting part is that there’s still lots to explore. Health willing, we don’t anticipate an end date for our adventures—we want to do this for the rest of our lives,” Kirk said. “Or until we run out of money! But we think that if we can continue being smart about how we book trips, we have at least several years of cruising ahead,” Tori added.
- 28-year-old buys cruise ship apartment because it's less than renting and he can see the world ›
- Couple in their 30s live permanently on cruise ships for a little over $10K a year ›
- A couple in their 50s live permanently on a cruise ship because it's cheaper than a mortgage ›
- Couple retires to live on cruise ships because it's 'cheaper than a nursing home' ›
- Couple retires to live on cruise ships because it's roughly half the cost of a nursing home - Upworthy ›






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Resurfaced video of French skier's groin incident has people giving the announcer a gold medal
"The boys took a beating on that one."
Downhill skiing is a sport rife with injuries, but not usually this kind.
A good commentator can make all the difference when watching sports, even when an event goes smoothly. But it's when something goes wrong that great announcers rise to the top, and there's no better example of a great announcer in a surprise moment than when French skier Yannick Bertrand took a gate to the groin in a 2007 super-G race.
Competitive skiers fly down runs at incredible speeds, often exceeding 60 mph. Hitting something hard at that speed would definitely hurt, but hitting something hard with a particularly sensitive part of your body would be excruciating. So when Bertrand slammed right into a gate family-jewels-first, his high-pitched scream was unsurprising. What was surprising was the perfect commentary that immediately followed.
This is a clip you really just have to see and hear to fully appreciate:
- YouTube youtu.be
It's unclear who the announcer is, even after multiple Google inquiries, which is unfortunate because that gentleman deserves a medal. The commentary gets better with each repeated viewing, with highlights like:
"The gate the groin for Yannick Bertrand, and you could hear it. And if you're a man, you could feel it."
"Oh, the Frenchman. Oh-ho, monsieurrrrrr."
"The boys took a beating on that one."
"That guy needs a hug."
"Those are the moments that change your life if you're a man, I tell you what."
"When you crash through a gate, when you do it at high rate of speed, it's gonna hurt and it's going to leave a mark in most cases. And in this particular case, not the area where you want to leave a mark."
Imagine watching a man take a hit to the privates at 60 mph and having to make impromptu commentary, straddling the line between professionalism and acknowledging the universally understood reality of what just happened. There are certain things you can't say on network television that you might feel compelled to say. There's a visceral element to this scenario that could easily be taken too far in the commentary, and the inherent humor element could be seen as insenstive and offensive if not handled just right.
The announcer nailed it. 10/10. No notes.
The clip frequently resurfaces during the Winter Olympic Games, though the incident didn't happen during an Olympic event. Yannick Bertrand was competing at the FIS World Cup super-G race in Kvitfjell, Norway in 2007, when the unfortunate accident occurred. Bertrand had competed at the Turin Olympics the year before, however, coming in 24th in the downhill and super-G events.
As painful as the gate to the groin clearly as, Bertrand did not appear to suffer any damage that kept him from the sport. In fact, he continued competing in international downhill and super-G races until 2014.
Alpine skiing is a notoriously dangerous sport, with a reported injury rate of 36.7 per 100 World Cup athletes per season, according to a 2018 study. Of course, it's the knees and not the coin purse that are the most common casualty of ski racing, which we saw clearly in U.S. skiier Lindsey Vonn's harrowing experiences at the 2026 Olympics. Vonn was competing with a torn ACL and ended up being helicoptered off of the mountain after an ugly crash that did additional damage to her legs, requiring multiple surgeries (though what caused the crash was reportedly unrelated to her ACL tear). Still, she says she has no regrets.
As Bertrand's return to the slopes shows, the risk of injury doesn't stop those who live for the thrill of victory, even when the agony of defeat hits them right in the rocks.