Piped dream people. If you have no children, then maybe you can go back packing across Europe or the US.

I have done a little of this when I was a graduate student in US uni. It is something you do once.

At my age now, when I travel, I want to travel in comfort. Roughing it out doesn't cut it for me anymore. Especially when we are traveling as a family. For our annual holiday last year to NZ, we spent $15k. Not a small sum but paid for fully with passive income.

So you see guys, quitting your job early in life so that you can go for long holidays is a sure fire way that you will be poor as you get older.

Work hard now, save and invest well and your "future you" will thank you for it. Ensure that you build up a strong foundation in your finances to last you through your old age.

Speaking to the two old cleaners in my office, I learnt that they had no choice but to continue to work because they didn't earn much so they could not save enough in their younger days. So if we are earning well, we have one less excuse why we could not prepare well financially for retirement.

If you are not a successful banker, quitting your job (some more both husband and wife) to go back packing for so many months is irresponsible thinking.