Richard,

Thanks for being sincere in your feelings and expressing them - that can be a hard to do - it takes a big person to do that.

What we found is that when things get too expensive for our budgets, we still might do them, just a bit less frequently or we find we are willing to compromise elsewhere to do what appeals more to us.

We decided this year to give up saving as much as we'd like so we can go where we want. Life is short. Next year, we've cut back a bit (we have 4 cruises booked right now over 21 months), but, that can change too.