I don't use credit cards after getting myself in to trouble early on in my adult life. My wife and I have managed to save X amount of money in the last nine years. I am thinking I am going to finance a 5night 6day-ish trip in a deluxe with dining in a few years. My thought process is.... If I lost my job today I have about 2 months of living expenses saved. I would hope by the time of the trip (Summer 2011) I should have enough money saved to last about 9-12 months if I were to lose my job, barring some unforseen huge expense. (Do you hear me house AC! Hold out little buddy!) My question (which I realize may be tough to answer not knowing cost of living, economy, job strength, etc etc) How much in savings would you need to have before you felt comfortable taking a large chunk out of it to finance a trip? In 2011 that might take my 9-12 months of living expenses and reduce them to 6-9 months. I hope this makes sense.