<prompt> Human: Current situation: 21 year old0 debt1.5k - 1.7kmonth from part time work. Current savings: 3.7kMonthly Expenditure: 90 on transport 20 on food mealpreps0 rentutilities Living w parentsCurrent spending less than 50 a month on myselfEdit: currently have 20 compulsory contribution to my countrys equivalent of IRA. Plus additional 200 per month on a 10 year savings scheme with an insurance company. Edit: included phone bill. Disposable income after everything would be 800. Basically 100 of this to savings? Assistant: Yours is a bit of a different case since you really dont have expenditures now but will definitely have them in the future. You are and should be throwing everything into savings. The word holiday means different things to different people. For some, its 15 days in Europe for 5k. For others, its a 300 long weekend at a hotel near a beachlakeresort. Since you should really try to save as much as possible before life really hits you, take the cheapest vacation you can. A two-night local trip with good planning and counting your pennies sounds reasonable. The best is to go with 1-3 other people and split the hotel room and gas for the trip. Then you can really just worry about how reasonably you will eat and do activities. Being from the northeast of the US, Ive done really cheap trips to the shore Ocean City MD and Montreal, QC with friends.I just dont think youre anywhere near ready for an expensive trip yet. Depleting 13, 12 or all of your savings on a vacation is irresponsible and will be a huge setback for milestones like moving out, buying a new car, paying for an emergency hospital bill, etc. Human: Thanks for the insight! I will continue to save and let my savings snowball. I used to just take 20 - 40 of whatever I had in my bank and just go for holidays, spending without thinking as long as the numbers in my account didnt hit 3 digits. Now Im setting a personal goal of hitting 10k in my current account before I set that lump sum in a banks savings account not too sure what Ill do with the 10k. Edit: Holidays for me are usually 4d3n - 7d6n trips overseas spending around US750 - US1000 for everything inclusive flight, accommodation and expenses.  <response>: on your age, car holidays and camping are your friend.Depends on your style ofc, but going to a lake for a couple of days, drinking some beers you bought in a store,... really makes it possible to save a buck, while still being relaxed on return. 