 Not irresponsibly, but too many people wait on the trip to Europe or attending the masters until retirement, until a later date, or not turning down a job that requires you to travel a lot because you'll earn more money or it's a good career move. Money is fleeting. And when you're in retirement, you'll spend a lot of time reflecting on the good old days. Like when your kids were in the house and it was complete mayhem and your schedule was crazy, you'll miss it.