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cruise ship retirement

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A couple in their 50s live permanently on a cruise ship because it's cheaper than a mortgage

They hope to spend around $36,000 a year.

via Pexels

The Emperor of the Seas.

Imagine retiring early and spending the rest of your life on a cruise ship visiting exotic locations, meeting interesting people and eating delectable food. It sounds fantastic, but surely it’s a billionaire’s fantasy, right?

Not according to Angelyn Burk, 53, and her husband Richard. They’re living their best life hopping from ship to ship for around $100 a night, depending on the cruise. "Cruise costs vary quite a bit, our goal is to average about $100 per night, for the couple, or less across and entire calendar year," Richard told Upworthy.

The Burks have called cruise ships their home since May 2021 and have no plans to go back to their lives as landlubbers. Angelyn took her first cruise in 1992 and it changed her goals in life forever.

“Our original plan was to stay in different countries for a month at a time and eventually retire to cruise ships as we got older,” Angelyn told 7 News. But a few years back, Angelyn crunched the numbers and realized they could start much sooner than expected.

“We love to travel and we were searching for a way to continuously travel in our retirement that made financial sense,” she said. They looked into deals they could find through loyalty memberships and then factored in the potential sale price of their home and realized their dream was totally affordable.

The rough math makes sense. If the couple hits their goal of spending $100 per night to live on a cruise ship, that’s $36,500 a year. Currently, the average price of a home in Tukwila, Washington—where the couple has a house—is about $607,000. Let's say you moved there today, put down 20% and financed the rest, the mortgage would cost you around $44,000 a year.

Plus, on a cruise ship, the couple doesn’t have to pay for groceries.

The Burks are able to live their dream because they’ve spent a lifetime being responsible. “We have been frugal all our lives to save and invest in order to achieve our goal,” she says. “We are not into materialistic things but experiences.”

Angelyn says that cruising takes the stress out of travel. “It is leisurely travel without the complications of booking hotels, restaurants, and transportation while staying within our budget,” she told 7 News.

The couple travels lightly with just two suitcases between them and if they need anything, they just buy it on the ship or in the next port.

The one thing to consider before embarking on a never-ending cruise is COVID-19. The coronavirus is easily spread in close quarters and a cruise ship that recently docked in Seattle had 100 people on board who tested positive for the virus. The CDC recommends that people get vaccinated before going on a cruise and that immunocompromised people should consult with their physicians before traveling.

Richard told Upworthy that he believes COVID-19 safety is still very important and has had both his shots and a booster. "I would suggest wearing a mask at all times when out in public no matter whether on a ship, in a movie theater, at a restaurant or even meeting with friends inside or outside," he said.

After leaving their jobs and the mainland behind, the Burks completed a 21-day cruise via the Panama canal. They look forward to a 50-day cruise around the Adriatic Sea, taking in the sights of Europe, as well as a 51-day cruise from Seattle to Sydney, Australia.

The Burks' favorite destinations, no matter how they get there, are Italy, Canada, Iceland and the Bahamas, but their ultimate favorite is Singapore.

Looking to give it all up and go on a permanent vacation just like the Burks? Angelyn has some advice for those wanting to get started.


This article originally appeared on 05.11.22

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Joy

Couple lives permanently on cruise ships because it costs ‘half’ the price of life on land

"We now have a telephone bill, a ship bill and a few credit card bills for when we go ashore, but that's it.”

via George Desirpis/Pexels

A white cruise ship crosses the sea.

Given the rapidly changing cost of living in the United States, lifestyle options that once seemed luxurious are now starting to look like good deals. A growing trend is that retirees are choosing to spend their golden years on cruise ships instead of living in a retirement community.

The latest examples of this trend are John, 76, and Melody Hennessee, 64. Before retiring, John was a doctor and the couple also owned an art gallery in Stuart, Florida. In 2021, the couple sold everything and purchased an RV to see the country, but after a few years, they were exhausted.

“The constant maintenance, fueling, and planning,” he told Realtor.com.

So, instead, the couple, who had extensive boating experience, decided to cruise the world. In March 2021, they began boat hopping, moving from one cruise ship to another. “I've been a sailor all my life, and we love cruising and traveling,” John told The Daily Mail.

Every day, they wake up in a new location. According to Realtor.com, their favorite spots are Bora Bora, Santorini and Croatia.

The couple even found that it was cheaper to cruise-ship hop than live on land.

"We now have a telephone bill, a ship bill, and a few credit card bills for when we go ashore, but that's it," John told SkyNews. "We no longer have a mortgage or the expense of homes. We no longer have vehicle insurance, property insurance, or utility bills. The list goes on. We are certain cruising is cheaper."

"Right now, it is probably close to half of what it was when we lived on land,” he added. The couple is currently booked on cruises through December 2024, and in 2027, they will embark on the cruise of a lifetime. They have purchased a $2.9 million 600-square-foot cabin on the MV Narrative, a residential cruise ship. They will own the cabin as long as the ship is afloat.

Single 225-square-foot studio residencies on the boat start as low as $597,000.

The ship boasts 20 dining and bar concepts, a theater, 18 decks, laundry service, gyms, and hobby areas and it has a doctor and dentist on hand for emergencies.

The couple loves the hassle-free convenience of living on a cruise ship and they also get to see the world as well. “[The MV Narrative] is gonna take three and a half years to go around the world and every stop, they'll spend at least three to five days, which on a cruise ship you have just a few hours. We really love that concept,” John said.

Life is easy for residents of the NV Narrative because it’s all-inclusive. You never have to pull out your wallet, except for the occasional special meal. The all-inclusive fees start at around $2500 per month per adult.

“We're so excited. We just love the idea of having our own residence on a residential ship,” Melody told The Daily Mail. We are beside ourselves. We're really, really looking forward to it because, like we said, we're cruising now; we have 45 more cruises booked.”

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Health

Psychologist breaks down why cruises are good for our mental health

Popularity has surged since the pandemic. There's a reason why.

Canva

Not a phone in sight. So beautiful.

Cruise life might have taken a hiatus in 2020 (along with everything else), but post-pandemic business is booming. There are more people embarking on cruises than even in 2019, according to the Cruise Lines International Association (TIME). And with overall prices that are lower than a lot of mortgages and rents, many folks opt to cruise full-time.

So…is it just the competitive prices calling us to sea? The promise of adventure, perhaps? Or is it simply the 24-hour buffet that makes it so intriguing?

A psychologist and cruise enthusiast has some compelling thoughts.

In her essay written for Psychology Today, Mary McNaughton-Cassill, PhD, argues that while cruises “may not be for everyone,” they do provide many psychological benefits that improve our mental health.

For one thing, cruises offer the luxury of pure leisure time, which McNaughton-Cassill says “Americans are starved for.”
mental health

You can hear the silence in this picture.

Canva

And she has a point. When was the last time you didn’t have to use up precious mental energy wondering how dinner was going to be taken care of, who would watch the kids, whether or not anything needs to be cleaned, etc., etc. Even on our regular “days off,” many of us just spend it catching up on ignored chores (aka “housework). In a world where burnout and errand paralysis are very, very real, it’s no wonder why having everything taken care of is a grand fantasy.

Second, McNaughton-Cassill explained that going on a cruise all but forces someone to be without their phone for a bit, which helps ease feelings of loneliness.

happy people on a cruise

It's nice not to be lonely.

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Loneliness might have been an issue exacerbated by the pandemic, but it certainly existed before that—and has been on the rise since the 1970s. We know that technology is a double-edged sword in this arena, offering us constant contact through endless pings and social media but often very little community.

But while out at sea, where wi-fi is hardly worth the high price, you can put the phone away without a second thought, and instead enjoy the simple pleasure of connecting with new people. Everyone from the staff to the servers to your fellow travelers get to know you by name, which is a stark contrast to the social cut-off-edness of “real life.”

And for the introverts for whom this scenario sounds like a nightmare, you have the permission to bask in the sweetness of your own thoughts during your social media detox…which honestly could probably still help with the loneliness thing.

Lastly, McNaughton-Cassill notes that going on cruises exposes us to two very therapeutic things most of us get too little of—music and nature. We know that both are good for our physical and mental well-being, and cruise travelers, as they soak up the sun, enjoy the ocean waves, listen to live bands and maybe even dance a little, are certainly exposed to all kinds of these natural remedies.

cruise life

Sunbathe by day, dancing by night.

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It makes sense that in our busy, jam-packed lives, the thought of getting multiple needs met all in one go would be attractive to many people. But even if that sweet cruise life isn’t the right fit for you, finding ways to actually relax, unplug and nourish the soul are so very important. Hopefully if reading this didn’t inspire you to buy a ticket, it at least reminded you to book that overdue massage or slip back in that favorite book for a few hours.

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