<prompt> Human: Im trying to talk myself out of a trip this Christmas. Felt like if I knew how many similar trips this would allow me to take at retirement it might help.Assistant: take the vacation now. youll have 30 more years to remember it. Also you dont know that youll make it to 60. Human: First time in personal finance Ive seen telling you to spend the money on something fun.Assistant: Yeah, Im really surprised at this sort of sentiment in rpersonalfinance - its almost like I got mixed up and posted in rtravel.But I agree, I rarely regret an experience or trip and we are comfortable with the amount in our emergency fund and would be spending money saved after contributing to the state pension we are govt. employees and 457 plans.  <response>: You shouldnt be surprised. Most of the time in pf you only see the horror stories. I think most reasonable people here would say if it fits in your budget, then you should take it. 