We do all cash and it sometimes takes years to save. We did a cruise to the Adriac Sea for our 20th anniversary and it took us several years to save the $10, 000. We were able to pay cash for cruise, plane, excursions and anything else we wanted. We are now saving for our 25th and working on $15, 000. Sit down and decide where you might want to go and start pricing things out. Flights, rooms, food, excursions, misc stuff and get a rough estimate of what you think you might need. Decide when you might want to go and that gives you an idea of how long you have to save. It really makes it so nice to pay cash and enjoy a debt free vacation. We love to travel and our bucket list is long. We try to do smaller trips in between our big ones that we can do for less money but still have a getaway. Hawaii is amazing and definitely recommend it. Good luck on your journey.