Can You Retire on a Cruise Ship? Take This 10-Question Quiz to Find Out
- Tori Carter
- May 1
- 3 min read
Have you ever wondered if you could retire and live full-time on a cruise ship? It’s a question more people are asking as alternative retirement lifestyles become more popular. But while it may sound like a dream, full-time cruise life isn’t for everyone.
In our brand-new YouTube video, we share a 10-question quiz to help you evaluate whether you personally are a good fit for retiring on a cruise ship. This is not just a fun questionnaire—it’s an honest look at what it’s really like to live at sea, based on our own experience since December 2022.
🧭 What You’ll Learn in This Video
Our Cruise Retirement Quiz is based on real scenarios and frequently asked questions we've received from fellow travelers. Each question dives deep into essential areas like planning, packing, budgeting, and social life—things you MUST consider before committing to life at sea.
In the video, you’ll discover:
✅ What it really costs to live full-time on cruise ships (we share our exact budget)
✅ How to assess your readiness for ship life with 10 revealing questions
✅ The real pros and cons of cruise retirement
✅ What it’s like living out of a suitcase and organizing your life between sailings
✅ How to plan, adapt, and stay connected while living on cruise ships
🚢 Could You Really Live on a Cruise Ship Full-Time?
If you’ve ever typed “how to retire on a cruise ship” or “cost of living on a cruise ship” into Google, you’re not alone. We get asked daily about:
How to plan long-term cruising
What kind of person succeeds in this lifestyle
How we handle logistics, health care, belongings, and communication
What the day-to-day is really like
That’s why we created this quiz—to give YOU the insight you need to make an informed decision about cruise retirement.
📋 Sneak Peek: What This Cruise Retirement Quiz Covers
Here are a few examples from the quiz:
How organized are you? (You’ll need serious prep skills)
Do you enjoy planning logistics and making decisions regularly?
Can you handle packing and unpacking multiple times per month?
How comfortable are you with time between cruises or at sea for days on end?
How well do you adapt to the pros and cons of cruise life—like small staterooms and limited Wi-Fi?
Are you financially and emotionally ready for this lifestyle shift?
🧮 What Does Your Score Mean?
After answering all 10 questions, you’ll get a score that reveals how well-suited you are for cruise retirement:
30–40 points: You’re highly prepared—this lifestyle could absolutely work for you.
20–29 points: You may need to plan carefully or test the waters with extended cruises.
10–19 points: Cruise life might be better as a vacation option for you.
💸 How Much Does It Cost to Retire on a Cruise?
We share our actual costs in the video, based on full-time cruising across multiple cruise lines. You’ll get a clear picture of what it costs per month and per year—including:
Cruise fare
Internet
Insurance
Gratuities
Add-ons and surprises
👥 Real People, Real Experiences
We’re Kirk and Tori, the creators of Kirk Tori Story, and we’ve lived on cruise ships full-time since December 2022. We've traveled across multiple cruise lines and continents, and we’ve shared it all on our YouTube channel. This quiz is the result of years of questions, insights, and real-world experience.
📺 Ready to Find Out If You Could Retire On A Cruise Ship?
This is the ultimate video to watch if you’re serious about exploring cruise ship living. Whether you’re curious, researching, or actively planning your next chapter, this quiz can help you decide if retiring on a cruise ship is a dream you should chase—or one to enjoy during vacations only.
And once you’ve watched, let us know your score in the comments!
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