 You should not be going on vacation if you're on Baby Step 2, trying to get out of debt, if you don't have your emergency fund in place. But if you're at Baby Step 4 and beyond, you're investing, now you're starting to do some things with your money, you're starting to do vacations, you're starting to eat out again, and you want to have a milestone event. This is a place you can celebrate. We will spend the week celebrating you. We're going to do events on the ship.