60+

You plan to spend the kids' inheritance seeing the world, doing all those things you've been putting off. On your to-do list every day: Looking for last-minute deals on amazing cruises, and plotting the last few items on your bucket list. 

Great Choices: Consider Azamara or Cunard, where the passengers love great lectures, card games, and cocktails with hors d'oeuvres before dinner. Regent, Seabourn, and Silversea offer luxury and a decadent, genteel atmosphere that may remind you of your club back home. Your time is your own once you retire, so do look at all those long sailings you never had enough vacation time for before now.