<prompt> Human: Or, some combination of the two? What is realistic? What is practical?I know this is a fundamental, simple question. But the S.O. and I have a basic difference on how large expenditures should be approached.Thanks.  <response>: Dont finance luxuries.Whether you choose a destination and find a way to go there for the amount of money you have, wait and save up for that chosen destination, or else choose a destination based on how you like to travel and the amount of money you have, always have the cash on hand to pay for the trip in full before you travel. 