text:  If you're on Baby Step 4 and above, you've worked hard, and now it's time to have some fun with your money. We'll be stopping at some incredible places, including Turks and Caicos, St. Thomas, San Juan, and the Bahamas. You'll enjoy tons of stellar experiences on board our Holland America cruise ship. It's amazing. Plus, we're bringing some special guests with us, including Stephen Curtis Chapman, Manit Chauhan, Dina Carter, and lots more.