<prompt> Human: Hey all! Throw away account because personal info and all of that. In case anybody wonders, I do realize that were overall relative to most in good shape and SUPER lucky to have jobs etc. That said I swear Im not fishing for compliments or anything of the sort, the reality is that I think were behind but we do long term travel regularly and I want to know if Im being totally stupid unrealistic.Here are some raw numbers - note though that the numbers Im giving are combined for my wife and I, except where notednbsp;Ages: 30nbsp;Income:Gross income: 150k me 100k, her 50kMonthly take-home: 8000 this is after 10 of my income to 401k - just started this as work just offered 401knbsp;Expenses:Apartment: 1000 super cheap for our areaFood: 500Student loans: 2100 working to pay off loans soonTravel savings: 1200 per month saving for our every 5 year travel!Roth IRA: 1000 max out RothShopping: 500 this seems like a lot, but in reality is deceiving as it includes all sorts of things like household goods.. discretionary spending is probably closer to 100-200 tops per monthOther: 600 this is also a lot, but things just seem to come up - things like my wife had to take some online classes, or the occasional travel tripCar savings: 200Emergency fund beefing: 200Leftover money: depends on the month, but normally nbsp;Cash AssetsEmergency Fund: 12kTravel: 17kPet Fund: 60 not much but because of recent posts here were starting to say 30 bucks a month for when our dog eventually gets sick and we spend some stupid amount of money on dog careNew Card Fund: 650 saving 200 per month so that when our car dies in a few years well have money saved to buy a decent new-used carOther cash: revolving 10k give or take 5k or so depending on when CC payments rent is paid etc our main checking accountnbsp;Retirement Assets or, where it gets uglierVanguard targeted retirement fund: 60kVarious small specific stocks etc: 5knbsp;OK, so those are the numbers.Here are the big points and what my question really revolves around:1. Im working now and making pretty good money, but I can see myself not wanting to work in my industry forever, or potentially take a job in the same industry for a non-profit or something similar where I might make as little as half of my current salary so total salary around 100k for two people2. My partner and I prioritize travel in our lives over almost everything. In the past, weve felt like wev paid for it by living in less than awesome apartments like our current apartment which is sort of shit but a good 300-400 less per month than most people we know are paying, by not eating out a lot, etc. The issue is that when we travel, we will leave jobs and be gone for up to a year. Travel is generally staggered such that we still can contribute to our Roth IRAs, but we contribute MUCH less when traveling - say 5-6k total. Of course we also spend a lot of money, while making none. That money is saved and set aside specifically for travel, but were talking 30k-35k for our last year long trip. 3. In the past we justified this expense by saying oh, its OK, this money was saved for travel - its not like we were traveling on credit or something. But now Im starting to think feel like, no, what we were really doing is NOT putting that money into retirement. Im guessing thats a solid 60k at least in savings weve spent on travel in the past 8 years, not to mention a solid EXTRA 30-40k we could would have contributed to our retirement accounts on top of that say 11k for IRAs or whatever it is.4. Currently 2000 - 2100 goes towards paying off student loans. We want to be done with them and in the past nursed them paying shit tons of money on interest. Good news is that around the end of the year ish well have paid them off and will have an extra 2000 dollars we can do essentially whatever we want with. Likely well try to put that towards retirement or possibly the idea of one day purchasing a house. That said, and this is the part that I want to keep in mind myself and hopefully you as you consider advice!, that 2k isnt something that will always be there. At some point in the fairly near future say 2-4 years I could see doing the travel thing again, and when we get back from that I could see trying a different and less stressful career or again, working for a company where I feel good about what I do instead of corporate stuff. nbsp;Anyway I know that nobody can give me a this is what you should do answers to such a general question, and I know that at the end of the day were not doing TERRIBLY or anything, but I guess Im just looking for general advice thoughts. Travel to us is important, and in general we like to live travel cheaply to give us the power flexibility financially to do these extended amazing trips. I think we will continue to travel, but Im looking for some advice on how to do it a bit more responsibly. Perhaps the simple answer is, if you are taking a year off, plan to have enough money to be able to continue to invest in retirement at the same rate you do now - etc. nbsp;Thanks for reading and thanks in advance for any thoughts tips etc!nbsp;p.s. I wish I was the dude who posted the other day that he had a 400k house and was selling it renting it to travel indefinitely!  <response>: Youre underestimating how large a role youth plays in your lifestyle. 