told CNN.Burk and her husband, Richard, plan to spend 86 days of this year on the high seas, bouncing between Holland America and Carnival cruises –a decision they made out of passion but also due to budget. “When planning out cruises, I try to stay on the same ship as long as possible, as long as it is cost-effective,” said Angelyn, explaining that the couple crunched the numbers and, thanks to deep discounts from their frequent past cruise journeys, their cruise time will only cost $89 a day for both of them — “well within our retirement budget.” Many other retired folks also find cruise life preferable and no more expensive than paying to live in a nursing home.“Assisted living is not a cheap proposition. It costs thousands and thousands of dollars a month, depending on where you’re staying,” Colleen McDaniel, editor-in-chief of the website Cruise Critic, told CNN.