 not irresponsibly, but too many people wait on the trip to Europe or attending the masters until retirement, until a later date, or not turning down a job that requires you to travel a lot because you'll earn more money or it's a good career move. Money is fleeting. And when you're in retirement, you'll spend a lot of time reflecting on the good old days. Like when your kids were in the house and it was complete mayhem and your schedule was crazy, you'll miss it. So if you're in retirement already, you know what I'm talking about.