<prompt> Human: So it looks like that by 2018 my SO and I will be debt free in all respects. To celebrate, were planning an absurd vacation with a budget of 10k basically 3 months of student loan debt payments. Once our loans are done, wed put what wed normally put toward loans toward a lavish vacation, and after start saving for retirement. Is this an irresponsible thing to do? Im so torn on spending so much wed likely spend much less, but itll be nice to have that money on hand if we want to spare no expense when weve basically been living like poor students for years while trying to pay these debts down. Weve never been on a vacation together. What are your thoughts on this? Is it crazy to put off funding retirement for a few more months after we pay off our debts to celebrate?  <response>: Three months of missed funding into your retirement? Id say go for it. Yeah, long term, with the growth that money would see, youd have more if you waited until you were 70 to take this vacation. But if youre debt free and you have an emergency fund built up? Go celebrate! 