We have never lived above our means, not that we haven’t made some huge financial mistakes.  But we’ve been able to stay out of debt and still have enough nice things to make life comfortable and the best part is that we have traveled.  Traveled more than many people.  Husband being a road warrior for his job and earning lots of points with Marriott and airlines has helped a ton, and my 16 years as a travel agent has been a benefit.  What we have learned along the way is what I’d like to share, along with being destination specific in my tips to getting out there and seeing the world.