CFI Blog

Should You Aim to Take Vacations or Live Life Like a Vacation?

“The rainy days a man saves for usually seem to arrive during his vacation”

For most people, work and life is what happens in the interim periods between vacations. They work, usually between 48 and 50 weeks a year, to enjoy two to four weeks of vacation. When one vacation is over, then the planning begins for the next one.

I’m as guilty of this as anyone. We recently went to Breckenridge, Colorado for a week, and it had been the first break we’d taken in 9 months. Granted, some life issues got in the way of our best laid plans, and while we had taken some weekend vacations, we hadn’t taken any sustained time off.

During our trip to Breckenridge, we hiked, biked, ate (too much), and pretty much disconnected from technology the entire time.

It was glorious. All except that 100 foot altitude climb while biking. That left me puffing and sweating. The rest of it was glorious.

On the drive home from the airport after we returned, I commented to my wife that I’d love to live that lifestyle once we reach PIRE.

Her comment back was poignant.

I want to live like that every day, whether or not we’re retired.

It got me thinking about life in general. In the past, I’d swung far to the other end in vacations, bringing work with me (the curse of the entrepreneur) and never completely disconnecting from the outside world. This time, I did. Nothing truly important happened. Life continued on. We spent time with the family. We enjoyed the outdoors. We explored. We met people. We had fun.

Why don’t we do that more often in our day-to-day lives?

I suggest one word to describe the problem.


It’s easy enough to get into a rut in life, even when we try to be mindful about falling into the same patterns over and over. We get up, we walk the dog, we shower, we eat, we go to work. We work, we come home, we eat dinner, we sit down in front of the TV, we watch it, and then we go to bed.

Lather. Rinse. Repeat.

Oftentimes, we’re much more active on vacation – ironic given the mindset that many have regarding vacation, of sitting around and doing nothing – than we are at home. Even if we have “staycations,” we tackle home projects or other endeavors that we’ve postponed until we had the time.

Why then, when we enjoy our vacations so much, do we feel the need to change our lives so dramatically when we’re not on vacation?

Yes, there’s the issue of time. 8-10 hours of the day get eaten up by work. 8 hours gets claimed by sleep.

That still leaves us with 6-8 hours a day to do something useful, entertaining, enervating.

What could you do?

  • Move to an area that has activities nearby. This could be trails, shops, restaurants, ball fields, anything. It’s what we did in moving to a mixed-use complex. Subdivisions may be great in that they have lots of families and rules and structure, but they’re also a magnet for homes that provide a reason to sit around and stay inside all night, every night.
  • Play games. Get out the board games or the Xbox or Wii or whatever. Don’t just do it by yourself, though. Play with the whole family. Some of my fondest childhood memories of family vacations were playing cards with my grandparents. Why not create those memories more regularly with your family?
  • Visit people. While my wife and I enjoy each other’s company, I think that our vacations are more fun when we go on them with friends or family. So, go visit someone. Or, hold a dinner party and invite people to come over. Do it on paper plates and throw them away when you’re done so that you don’t have hours of cleanup. When I lived in Charlottesville, there was a group of friends that would rotate through hosting a Monday night dinner. It was generally potluck, so everyone pitched in. It was a great way to start off the week.
  • Plan your afternoons and evenings like you plan your vacation activities. If we don’t actively schedule what we’re going to do with a given block of time, then chances are that we’ll fritter it away somehow. While it takes a little work to come up with activities, the effort will lead us to using our time in a more meaningful manner.
  • Take a break. Sometimes our lives become too frazzled and too active, and we are just looking for the Calgon moment. We don’t have to effectively, efficiently, or meaningfully use every single second of every single day. It’s OK to choose to veg out on the couch watching Jersey Shore reruns. Just make sure that you’re choosing to do so rather than letting it happen by default.

The second thing that my wife said during our conversation on the way home after our last vacation was

I want to live my life so that I don’t feel like I need to take a vacation.

Don’t we all?

How about you? Do you live for vacation or live like vacation? What’s stopping you from making your everyday life more like a vacation? Let’s talk about it in the comments below!

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John Davis
John Davis is a nationally recognized expert on credit reporting, credit scoring, and identity theft. He has written four books about his expertise in the field and has been featured extensively in numerous media outlets such as The Wall Street Journal, The Washington Post, CNN, CBS News, CNBC, Fox Business, and many more. With over 20 years of experience helping consumers understand their credit and identity protection rights, John is passionate about empowering people to take control of their finances. He works with financial institutions to develop consumer-friendly policies that promote financial literacy and responsible borrowing habits.

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