“When planning out cruises, I try to stay on the same ship as long as possible, as long as it is cost-effective,” says Angelyn, noting the couple plans to spend most of their retirement years living on cruise ships and not on land.

As for the advantages of moving aboard a floating home for their retirement, she says, those are obvious.

“Where else can you have your resort take you to different countries while relaxing by the pool or sleeping in a comfortable bed?”