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Ask Dave

Vacation in Baby Step 2?

When you're in Baby Step 2, you should be gazelle intense - mad at the debt - which means NO vacations.

QUESTION: Mary Beth asks if it’s okay to take a modest vacation while in Baby Step 2. 

ANSWER: If you aren’t through Baby Step 3, you should be in a panic.  You should be mad.  You should be gazelle intense.  That means NO vacations – even if it’s modest and paid in cash.  You should use the money that you would spend on vacation and put it toward your debts or emergency fund.  Live like no one else right now, so later you can live like no one else.  Bust it now and you’ll win!