<prompt> Human: Im asking this because Im always hearing stories about my cousins and people I knew in college and old friends who travel frequently, or go on a cruise once every two years, or will spend Xmas vacation at a hotel in Austria. None of these people are rich. None of them are one percenters or STEM graduates and none of them came into money. Theyre not staying in huge fancy hotels, but theyre also not staying in hostels or third world countries. Most of them work in marketing, social media, sell things on ebay, or have white collar jobs that have something to do with social engineering and have the word rock star or ninja somewhere in there. A majority of them have rich social lives and have a lot of fun, so its not like theyre working 16 hour days. I recently moved from my retail job to a slightly better retail job 9hr to 15hr, and Im finding that I have no time to do anything. I have friends working at startups and at IBM and big tech companies, and they have enough money to travel, but no time. What kind of incomejoblifestyle would I need to have to make this a reality? I have a CIS degree but I cant stand IT because its such a time sink development is fun but they usually like a CS degree, so I have that to go on. I have a ton of hobbies I could monetize nature photography, clothing design, woodcuts, etc, but all of them require more time than I have right now. Im scheduled for 38 hour weeks but it always ends up being around 55, which is great in terms of overtime, not so great in terms of actually having a life. What would you guys suggest? How can I get from point A to point B in a timely manner? I dont want to save up all my money for years for one huge trip, Id rather have the kind of life where I can continuously make a series of small trips, like 1-3 every year. Assistant: Would any of these people tell you if theyre drowning in debt and just dont care?A lot of people I know who travel frequently are like this. They are in oodles of credit card debt from previous travels abroad, but have the mentality of I needdeserve a vacation, so fuck it! and charge another vacation to their card and go.Others... are somehow comfortable being perpetually broke. But at least theyre not going into debt.Human: Some of them I know for a fact they dont have debt. Others are sort of broke. I dont know what the criteria is for being broke, but I think its safe to say they have their checking account, they have their 6 month emergency fund, and then they dont have any other savings. I consider that doing really well but I could be mistaken. The ones I dont know as well could very well be in debt, Ive never asked them and were not close enough so that I could expect an honest answer. I think its obvious that Id rather not be in debt if there are other options, but Id rather be in debt and have a good exciting life than be in good financial shape and have to hang around my city for the next 40 years until Im retired.  <response>: If they arent saving anything else, they may not be broke but they are being financially irresponsible. 