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If you spend, say $2,500 [which you've borrowed] on a European vacation, the total funds are gone. Poof! You will often have good memories and even some Kodak moments, but you'll don't have an financial value to show for the item. I'm not saying don't visit. Definitely, take one, two, three, or as many as you can afford yearly. But that's the point - whatever you can afford. Whenever you borrow bucks. [then you can't afford the vacation].

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