Reply to How to plan for vacations and not be a jerk parent.

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[quote=Anonymous][quote=Anonymous]Talk to your kids and see what they think. Your kids may say they prefer the vacays or that they prefer less/no loans.

I see lots of families going on very big trips and also very stressed about upcoming college costs. I get it before middle school, but after, I wouldn't do anything that would impact whether my kids would have a student loan (eg, huge trips, huge home improvements). Some families can't avoid it (I was in that boat as a kid), but if you can, it's worth it to me. I wasn't conflicted about that, but if I were, I would have talked with my kids about it. DH never had loans, and it gave him a huge leg up in his 20s.

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Most kids would (or at least will once they are 22-25+) prefer college without debt or with less debt than a vacation you cannot afford.  Also they would prefer not to be burdened with parents who cannot afford to retire.  So choose wisely what you do.

Yes, travel while you can, don't put it all off until you "retire" and kids are out of college, but don't spend what you don't have.  You can travel and do lots of things for low costs.  There is so much to see in the USA that you can drive to and stay for moderate prices....you do not need to explore Europe or go on fancy beach vacations, unless you can afford it.  If you have raised your kids right, they will get the finances and just enjoy whatever you can actually afford for vacations.

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