But actually the numbers don't work so well. Independent living apartments with food service and activities can be had for $60/day. Most cruise ships start at about $100/day for the lowest cost cruises in the smallest cabins.

We've taken 30 cruises (325 cruise days) in the last few years. We've actually met a few (less than a dozen) people who have essentially retired to live on a ship. We asked some of them how they can afford it. The lines give them a special rate, but they do NOT admit to it.

The price really goes down when you pre-arrange several months booking at once. One couple told us that they've been to most of the ports many times, and they rearly bother to get off the ship. When the ship goes into dry-dock they'd just switch to another ship.

Sounds boring to me, but who knows how I'll feel about it at 90?