<prompt> Human: My fiance and I are going on a week long vacation soon- were going to New Orleans for St paddys day for 3 days, and then taking a 4 day cruise that leaves out of New Orleans to Mexico. We would be in NO on a Thursday-Sunday, and then the cruise from Sunday-Wednesday, and fly back Thursday. While im super excited, I cant help but think that now isnt the time for a week long vacation. In the last year we bought two houses one to live in, one investment, and are getting married in May. Even though we make a combined 130k a year, there were a lot of problems with one of the houses that pretty much drained our savings. We are just starting to recover now. After doing the math, I found out that if I go for the whole week, after paying for the airbnb in New Orleans, paying to have our dog boarded up for a week, and paying for the excursions that we will def end up taking on the cruise, ill have like maybe 100-200 in savings. Also, my job is contract, so I wont get paid for the 6 working days that im going to miss. When we get back late March our mortgage will also be due in a couple days, which will basically put me at 0 for savings. We also have a home improvement loan that we pay 300 a month for. Now I know my fiance will not be ok with not going on this vacation. My plan was to basically ask for a compromise- We go to New Orleans, but fly back on Sunday instead of departing for the cruise on Sunday. I would only miss 2 days of work this way, and it would lighten up a lot of the expenses, even if we werent able to get our money back from the cruise we have insurance, but I think we would need a medical reason to get a refund. I love vacations, I just dont want to screw myself over financially to take one. There are also a ton of concerts and events I want to go to over the summer, and would much rather save up for them than chill on a cruise for 3 days. Am I being dumb for thinking this way?  <response>: If youll have a few hundred in savings, including your emergency fund, you shouldnt be going on vacation.You need to save up a solid emergency fund before going on trips. 