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I've raised my savings to 11% this year. As someone has already pointed out I could start doing different vacations or travel cheaper and invest the difference. That's not something I'm willing to do just yet. I have a stressful job and I like nice vacations to relax.

My actual take home pay is about $3200/mo after taxes and such.


I was not going to say anything about the vacation -- you can do with your money as you please -- but this prompted me. You are talking about more than 1.5 months worth of take-home pay for this vacation. This is not much less than you are saving each year for retirement.

Will you be able to eventually retire saving 11% of your income each year? Yes. Will you FIRE? Doubtful. There's nothing wrong with that; it's just something you should understand -- the vacation is clearly moving your retirement date back significantly.

But beyond that, you said "I have a stressful job and I like nice vacations to relax." Do you really think you need to spend $5000 to have a nice vacation? If so, fair enough. As I said before, it is your money. But you can have really nice vacations for a lot less.

Really, though, it is all about choices. You can have the more expensive vacations and retire later; or you can have nice, but less expensive vacations and retire earlier. It's your choice. And you clearly understand the trade-off, so do what you think is best.

Acme
(Who notes that his household income is 4 times yours and he budgets only about 15% more each year for vacations. And he believes his vacations are top notch including an upcoming 7-night Disney cruise in a room with a veranda.)
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