I am a proponent of the idea of traveling by any means necessary – even if that means borrowing money. Experiences, at the end of the day, are priceless. I like the fact that programs like Affirm exist and partner with airline companies to give you the ability to purchase something that will leave you with lifelong memories and emotions. With that said, it is extremely important to be smart with your decisions. Taking out a loan is not something you should do on impulse. Think it through, have a plan and a budget in check. By no means am I encouraging you to take out loans for all your trips – but try it once. Stay disciplined. Get motivated. Work hard and next time travel without borrowing any money !