I posted a reply similar to this on one of the threads but I decided to start a new thread. I'm not trying to be judgemental- I am really interested in how people reconcile vacations with trying to become and stay debt free. As I skimmed various threads on this topic, I noticed that many who are participating have recently taken or are planning expensive Disney trips according to their signatures. I've read enough of Dave Ramsey's stuff to know that he wouldn't recommend vacations for those that are struggling financially. At the very least, if you do not have a healthy emergency fund in place then an expensive vacation is probably not the best idea. DH and I saved and took one trip to WDW in 1990. We did not return until 2001. This gap was partly caused by us traveling to other places but also partly because in our early years we had other priorities such as getting well established in a debt free lifestyle. We are now in a position to budget more for vacations and have been to WDW 3 times since 2001. Vacations are very important to me but I wouldn't take one that I couldn't comfortably afford without dipping into my emergency fund. What do others think? Is a vacation necessary enough to go into debt or spend emergency funds in order to go? or Should vacations only be taken with true "extra" funds?