Cardi B Watches Yacht Sink During Vacation - VIDEO

Cardi B is enjoying "that life" way more than the guy who owned a nearby yacht that sunk before her very eyes.

Cardi was hangin' on the beach during a vacay with Offset Saturday, when she spotted the yacht as it disappeared into the drink. Of course, she chronicled everything on video and posted it.
Cardi gives a dramatic play-by-play ... "What the f***?!!? It's sinking!!! Y'all see this?!!?"