 It's the live like no one else cruise. Do not come on this cruise if you are in Baby Step 2 trying to get out of debt. 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.