<prompt> Human: Hey there rpersonalfinace. My wife and I are both 25, married for 5 years and wed like to finally get outside of the country. We make a combined 60k, but aside from a TSP and emergency fund, we dont have any real savings to spend.Wed like to take a trip to Japan. Im military, so space-A flights are possible...but they kind of suck. Were expecting a total price tag of 5-6,000 for two weeks in Japan, with airfare if I go the standard route.That being said...how do we afford this? Were trying to have children soon, so most of our savings will be going towards that endeavor. I know its not super responsible, but is taking out a loan or opening a credit card for just one trip a bad idea?Further more, what type of card would be the best value if we only plan on using it for this one trip? I was looking at the Chase Sapphire Preferred, but it looks like in order to get its benefits you have to spend a couple thousand prior to getting the travel money they offer. That being said, 0 interest till mid 2017 sounds waaay better than 8.5 on a personal loan that USAA could get us.So...any thoughts?tl;dr young couple with not a lot of money want to take a 5-6,000 trip to Japan without dipping into savings. Is that possible, and what is the best way to do it?Assistant: Of course taking out a loan or putting it all on credit without the funds being available in your bank and paying interest for a vacation is foolish. Make a plan to save for a year or however long it will take to get that five or six thousand.Human: Exactly! OP has already waited 5 years to go on a honeymoon, waiting another 1-2-whatever it takes to save wont kill you.Its a horrible horrible idea to finance a vacation, the only people I know who have done it were financially irresponsible.Assistant: Better yet, why hasnt OP been saving for this honeymoon this whole time? Me and my wife didnt have a honeymoon when we got married either two years ago next month, and we both agreed to take it before we start saving for our house so that we dont have to worry about a mortgage on top of the honeymoon. Failing to plan is a plan to fail.Human: Hey, I absolutely agree with you. It would have been great to have a nice amount of money saved up for this sort of thing...but we didnt.I know Im in the wrong sub for this sort of thinking, and taking out a loan for a trip isnt remotely a good idea. But at this point, well be having kids in two years, which will be roughly how long it will take us to be comfortably prepared for this trip.Is it that bad of an idea to completely outweigh doing it at all?  <response>: YesEdit: For clarification: In no way is going into debt in order to take a trip somewhere a good idea. On top of that, going into debt right before having kids for a trip is an even worse idea. Save for a year, go on the trip, then have kids. It was pretty silly to not save anything for 5 years but there you go. 