cruise ship retirement

You know that feeling toward the end of a great vacation when you stop and think: I wish I could stay here forever. It might be an all-inclusive resort, a secluded beach, or a fun-filled cruise on the high seas that you just don't want to leave. Of course, for most people, it's a fantasy. You can't just quit your job and live a permanent vacation. But what if you could?

Giving it all up and retiring to live on a cruise ship at 32 seems like a lifestyle choice only available to the ultra-wealthy. However, two financially savvy retired school teachers from Tennessee have managed to do just that, spending under $10,000 for the first eight months at sea.

Monica Brzoska, 32, and Jorrell Conley, 36, met in 2015 while teaching in Memphis, Tennessee. The following year, they booked a week-long cruise to Mexico, Belize, and Grand Cayman. After that, they were hooked on cruising together.

Eight years later, in March 2023, they booked a week-long Caribbean cruise and had the time of their lives. When it was over, instead of returning home to Memphis, they had a wild idea: Why not continue to book consecutive cruises? So, they did just that.

Monica was inspired to start living the life she always wanted after her father fell ill and her mother told her: "Don't wait for retirement. Follow your dreams."

The couple crunched the numbers and found that if they chose the cheapest cabins and used the deals and promotions they’d received from Carnival Cruises, they could book the first 8 months for just under $10,000.

That's not per month. That's the total, coming out to around $1250 per month. Not a bad deal whatsoever. Plus, the more cruises they book, the more perks and deals they get.

“It sounds mad, but the numbers made sense. Accommodation, food and entertainment would be included – we’d only need spending money,” Brzoska told The Sun. “And because we’d been on so many Carnival cruises, we’d earned access to some amazing offers.”

Hopping from ship to ship isn’t difficult for the couple because many disembark from the same ports. But they sometimes have to fly when they can’t walk to the next ocean liner.

The couple then quit their jobs, sold their possessions, and started a new life on the high seas. They rent out their 3-bedroom home in Memphis to maintain steady cash flow. The average 3-bedroom home in the area rents somewhere between $1200 to $1900 a month.

Over the first year of their new life, the couple completed 36 consecutive cruises.

They have already visited countless destinations across the globe, but they can’t choose a favorite. "For a cultural experience, we loved Japan," Brzoska told a Carnival Cruise director on Instagram. The couple also loved Greece for its “history” and Iceland because it was the "closest to being on Mars."

More recently, they've spent time in Amsterdam, the UK, Germany, Belgium, and more. What an amazing adventure.

One of the most incredible benefits of loving on a cruise ship is that so many things are taken care of for you. The couple never has to cook any meals, do any laundry, or drive. Every night, there is something to do, whether it’s checking out a comedy show or enjoying drinks and dancing in the nightclub. Plus, there are always new friends to meet on board with every new cruise.

Plus, on cruises, just about all the costs are covered, so you rarely have to open your wallet. It’s a stress-free, all-inclusive lifestyle. Brzoska says that when you remove the everyday stresses from life, it’s great for your marriage. “Without the daily stresses of life, we rarely argued, but always told each other if we needed space or more time together,” she said.

Brzoska and Conley were one of the first high-profile couples to get attention, followers, and media coverage for the permanent cruising lifestyle, but they're definitely not the only ones. It's an especially popular choice for retired adults and seniors, who find it cheaper and way more fun than living in a retirement community or nursing home. It's also a great choice for people who can work remotely and flexibly, or who own their own digital-nomad-friendly businesses.

The couple also makes sure to have one date night a week, during which they dress up and have a nice meal together.

As of this writing, the couple has been cruising full-time for over two years, or 916 days to be exact. They've been on 106 cruises and visited over 45 countries together. Absolutely unreal.

Most people may be unable to give it all up and live their lives hopping from ocean liner to ocean liner. But there’s a great lesson in the story of Brzoska and Conley: You never know how much time you have left, so don’t wait for retirement to live the life of your dreams.

This article originally appeared last year. It has been updated.