We're both retired and live on a fixed income. We have a vacation savings account at our bank that we're able to put money into twice a month. We consider ourselves fortunate to be able to afford a cruise once a year, plus have money for our air fare. We prepay the gratuities, but the only staff member we give extra cash to is our cabin steward at the end of our cruise. Neither one of us drink much alcohol, and since drink prices already include an 18% gratuity, we see no need to pay more. We rarely dine at one of the specialty restaurants, and have never had dinner at the Chef's table. So, to answer your question, (with the exception of the cabin steward), no, we do not double tip.