What big item (>20k) are you saving up for?

Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities
SeaToTheBay
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Re: What big item (>20k) are you saving up for?

Post by SeaToTheBay » Tue Feb 13, 2018 3:39 pm

This is the first year where we'll be saving a lot in taxable rather than paying off debt. We are only 33 and no kids yet, so the big items we're saving up for are:

-Expenses if/when wife's grandmother (who only speaks Bulgarian) starts needing more care - this is the big wild card
-Eventual/potential house upgrade - would be great to have a SFH w/yard, but in the Bay Area that is a LOT of saving! Currently in a townhouse that we like, but no privacy and I can't even fit a vertical herb garden in our tiny balcony.
-Kid expenses if/when we have one - 529 will be started at the same time
-I have a special account for a fun/expensive car that a portion of my bonus and raise goes to (huge car nut here). That's contingent on the above not becoming a huge weight on our finances, but if it all works out and investments do well, a used Porsche/Ferrari/etc. in 4-5 years
-FIRE

ny_rn
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Re: What big item (>20k) are you saving up for?

Post by ny_rn » Tue Feb 13, 2018 3:57 pm

Disclaimer: 33-year old male, single, no kids.

- Enough to pay almost cash or huge downpayment for a home when the time comes.
- Money for future family.
- Any opportunities that arise that will help that money make money.

Other than that, 100% of that money is parked in good ole Vanguard Total US Stock Market Index Fund.

JBTX
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Re: What big item (>20k) are you saving up for?

Post by JBTX » Tue Feb 13, 2018 4:23 pm

cars - typically we pay cash

Home remodel - just spent about $100k on home remodel, maintenance and furniture (also cash out refinanced)

Kids college

Reserve for times when I am not working

srt7
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Re: What big item (>20k) are you saving up for?

Post by srt7 » Tue Feb 13, 2018 4:24 pm

whodidntante wrote:
Mon Feb 12, 2018 7:53 pm
Lonestarz wrote:
Mon Feb 12, 2018 7:29 pm
whodidntante wrote:
Mon Feb 12, 2018 6:57 pm
I don't believe in buckets. I have money and I spend money. I take low interest loans sometimes. I try to avoid that I spend so much that I don't accumulate more money. So far it seems to be working.
So if you want to get a new car or other large purchase you don’t cut expenses or save rates towards that goal in any conscious way?
No, I don't. Why would I need a special car bucket? I have money for a car, or I can take a low interest loan for a car. And I also don't cut expenses in anticipation of buying a car. If I'm somehow wasting money, I cut that anyway. My expenses are not a car issue.
This is my logic as well. :beer

thangngo
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Re: What big item (>20k) are you saving up for?

Post by thangngo » Tue Feb 13, 2018 4:29 pm

ny_rn wrote:
Tue Feb 13, 2018 3:57 pm
Disclaimer: 33-year old male, single, no kids.

- Enough to pay almost cash or huge downpayment for a home when the time comes.
- Money for future family.
- Any opportunities that arise that will help that money make money.

Other than that, 100% of that money is parked in good ole Vanguard Total US Stock Market Index Fund.
Living on the edge, huh?

Dottie57
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Re: What big item (>20k) are you saving up for?

Post by Dottie57 » Tue Feb 13, 2018 4:33 pm

Next car, bathroom remodel, roth conversions. Not sure what will win.

Nowizard
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Re: What big item (>20k) are you saving up for?

Post by Nowizard » Tue Feb 13, 2018 4:39 pm

Seven digit house.

Tim

jlcnuke
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Re: What big item (>20k) are you saving up for?

Post by jlcnuke » Wed Feb 14, 2018 10:26 am

1. Next car.
2. Sailboat for retirement.
3. Retirement.

mak1277
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Re: What big item (>20k) are you saving up for?

Post by mak1277 » Wed Feb 14, 2018 10:39 am

srt7 wrote:
Tue Feb 13, 2018 4:24 pm
whodidntante wrote:
Mon Feb 12, 2018 7:53 pm
Lonestarz wrote:
Mon Feb 12, 2018 7:29 pm
whodidntante wrote:
Mon Feb 12, 2018 6:57 pm
I don't believe in buckets. I have money and I spend money. I take low interest loans sometimes. I try to avoid that I spend so much that I don't accumulate more money. So far it seems to be working.
So if you want to get a new car or other large purchase you don’t cut expenses or save rates towards that goal in any conscious way?
No, I don't. Why would I need a special car bucket? I have money for a car, or I can take a low interest loan for a car. And I also don't cut expenses in anticipation of buying a car. If I'm somehow wasting money, I cut that anyway. My expenses are not a car issue.
This is my logic as well. :beer
Same here...no separate buckets for things...if I need, or want, something, I buy it. I just wouldn't buy anything that made me think, "oh, if I get this I'll have to cut back over there."

lazydavid
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Re: What big item (>20k) are you saving up for?

Post by lazydavid » Thu Feb 15, 2018 9:15 am

We pile all the "money we don't need right now" into a taxable account (retirement accounts fully funded), intending to at some point draw from it for >20k expenses such as buying a car or putting the kid through college (ok, that'll likely be a >$200k expense :annoyed ). But last year when the balance surpassed any amount we'd consider spending on a luxury car (Audi Q7 being the most likely candidate), she decided to keep driving her old Lexus for a few more years anyway. So it continues to grow until she's ready.

There's certainly risk in having our "car fund" invested (and pretty aggressively, at 85% stock). But if we wanted to buy a car while the market was significantly down, we'd just wait some more, or finance it and divert a portion of the bi-weekly contributions to cover the payment.

BogleMelon
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Re: What big item (>20k) are you saving up for?

Post by BogleMelon » Thu Feb 15, 2018 10:05 am

I am saving for a home downpayment in I-bonds (currently a renter). My situation now is better to stay as a renter, but not sure about the future. If I decided to stay a renter forever, the money would be earmarked for retirement and I would consider them a part of my retirement portfolio (in bonds), and would rebalance into stocks..
"One of the funny things about stock market, every time one is buying another is selling, and both think they are astute" - William Feather

halfnine
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Re: What big item (>20k) are you saving up for?

Post by halfnine » Thu Feb 15, 2018 10:15 am

A year off to travel with the kids. Not too much point for us for early (earlier?) retirement while the kids are at home and in school.

thatme
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Re: What big item (>20k) are you saving up for?

Post by thatme » Thu Feb 15, 2018 10:36 am

A piece of property in the mountains to build a cabin on.

sailaway
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Re: What big item (>20k) are you saving up for?

Post by sailaway » Thu Feb 15, 2018 11:32 am

miamivice wrote:
Mon Feb 12, 2018 6:50 pm

(Reason for my post is I have bit of taxable saved up and thinking about what I might spend it on if I chose to spend it.)
We would never notice extra money in our accounts and just spend it because it was there. $20k is just two months less work at the other end.

That being said, $20k would also cover two years of planned upgrades on the boat. There just isn't any reason to accelerate the schedule, as the sails still move the boat.

DocSleepy72
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Re: What big item (>20k) are you saving up for?

Post by DocSleepy72 » Thu Feb 15, 2018 11:43 am

A new house.

Pleased that we've stashed enough already to avoid PMI this time.

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Clever_Username
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Re: What big item (>20k) are you saving up for?

Post by Clever_Username » Thu Feb 15, 2018 1:59 pm

My car is almost at an eighth of a million miles. I suppose in the next decade or so I'll need a new-to-me one, might even go new and might even go over $20k. Remains to be determined!
"What was true then is true now. Have a plan. Stick to it." -- XXXX, _Layer Cake_

Drew777
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Re: What big item (>20k) are you saving up for?

Post by Drew777 » Thu Feb 15, 2018 2:05 pm

I'm saving up to buy an apartment complex as an investment. Will need much more than $20k though.

LiterallyIronic
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Re: What big item (>20k) are you saving up for?

Post by LiterallyIronic » Thu Feb 15, 2018 2:15 pm

Clever_Username wrote:
Thu Feb 15, 2018 1:59 pm
My car is almost at an eighth of a million miles.
That's a weird way of saying "just shy of 125,000."

maddogio
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Re: What big item (>20k) are you saving up for?

Post by maddogio » Thu Feb 15, 2018 2:19 pm

We have some necessary home repairs that we are considering coupling with the addition of a patio. Trying to balance two, sometimes competing mantras:

1) Spend conservatively
2) buy once, cry once

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Clever_Username
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Re: What big item (>20k) are you saving up for?

Post by Clever_Username » Thu Feb 15, 2018 2:19 pm

LiterallyIronic wrote:
Thu Feb 15, 2018 2:15 pm
Clever_Username wrote:
Thu Feb 15, 2018 1:59 pm
My car is almost at an eighth of a million miles.
That's a weird way of saying "just shy of 125,000."
I suppose. I wanted it to sound like less than it is maybe so it would feel like. Sort of the opposite to how when I lived in a cold climate, I would express the temperature in Rankine to make it feel warmer. I did take a picture when the odometer passed 123456 miles last month.
"What was true then is true now. Have a plan. Stick to it." -- XXXX, _Layer Cake_

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HomerJ
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Re: What big item (>20k) are you saving up for?

Post by HomerJ » Thu Feb 15, 2018 2:21 pm

corn18 wrote:
Mon Feb 12, 2018 8:16 pm
gouverneur wrote:
Mon Feb 12, 2018 7:28 pm
Patek Philippe for sure ...

Just kidding. I do love mechanical watches but right now not saving much for anything. Do like to travel a fair amount, but don’t blow anywhere close to 20k on any one trip (maybe over two or three years of 7-10 trips a year, mostly weekend jaunts).
Not saving up for it, but I am trying hard not to pull the trigger on this one:

Image
Looks exactly like a $50 Timex

EnjoyIt
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Re: What big item (>20k) are you saving up for?

Post by EnjoyIt » Thu Feb 15, 2018 2:28 pm

HomerJ wrote:
Thu Feb 15, 2018 2:21 pm
corn18 wrote:
Mon Feb 12, 2018 8:16 pm
gouverneur wrote:
Mon Feb 12, 2018 7:28 pm
Patek Philippe for sure ...

Just kidding. I do love mechanical watches but right now not saving much for anything. Do like to travel a fair amount, but don’t blow anywhere close to 20k on any one trip (maybe over two or three years of 7-10 trips a year, mostly weekend jaunts).
Not saving up for it, but I am trying hard not to pull the trigger on this one:

Image
Looks exactly like a $50 Timex
To be honest, I just don't get it. I have no idea how much that watch is worth or why it is worth that much. To me it looks like a simple watch and nothing special.

EnjoyIt
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Re: What big item (>20k) are you saving up for?

Post by EnjoyIt » Thu Feb 15, 2018 2:32 pm

We have saved up a chunk of cash for a home remodel. We have also saved up cash for car purchases. Currently looking to save up a for a possible dedicated track car. I will decide in the next 3 months if that is definitely a go.

Personally I do not like taking out loans for things I believe I should be able to afford with a short time of savings.

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Jazztonight
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Re: What big item (>20k) are you saving up for?

Post by Jazztonight » Thu Feb 15, 2018 2:33 pm

I am happy to belong to the group of responders who have pretty much everything I need at this point.

However, of my "bucket list" items that actually cost money, the first is a world cruise. DW and I have the date penciled-in: Jan. 2020. 111 days.

If my car dies (before I do), I'll consider trying to get along without a car--I live in a downtown location with a 96 walking score. I'm tired of driving, and cars of any type no longer appeal to me.

I did strongly consider getting a refurbished Steinway grand piano at one point, but I haven't pulled the trigger. (Maybe because I know it won't make me a better pianist.)

I have a couple of nice watches that live in my dresser drawer. I'm decluttering much of what I have, but I'm keeping the tuxedo for the world cruise. 8-)
"What does not destroy me, makes me stronger." Nietzsche

MindTheGAAP
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Re: What big item (>20k) are you saving up for?

Post by MindTheGAAP » Thu Feb 15, 2018 2:58 pm

EnjoyIt wrote:
Thu Feb 15, 2018 2:28 pm
HomerJ wrote:
Thu Feb 15, 2018 2:21 pm
corn18 wrote:
Mon Feb 12, 2018 8:16 pm
gouverneur wrote:
Mon Feb 12, 2018 7:28 pm
Patek Philippe for sure ...

Just kidding. I do love mechanical watches but right now not saving much for anything. Do like to travel a fair amount, but don’t blow anywhere close to 20k on any one trip (maybe over two or three years of 7-10 trips a year, mostly weekend jaunts).
Not saving up for it, but I am trying hard not to pull the trigger on this one:

Image
Looks exactly like a $50 Timex
To be honest, I just don't get it. I have no idea how much that watch is worth or why it is worth that much. To me it looks like a simple watch and nothing special.
To each their own - I can't imagine spending $26k on that (per Jomashop) but if you have the coin for it then I suppose that's your prerogative
"One of the funny things about the stock market is that every time one person buys, another sells, and both think they are astute" - William Feather

ReaderHBE
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Re: What big item (>20k) are you saving up for?

Post by ReaderHBE » Thu Feb 15, 2018 3:14 pm

Kitchen remodel. :moneybag

heyeaglefn
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Re: What big item (>20k) are you saving up for?

Post by heyeaglefn » Thu Feb 15, 2018 3:25 pm

I am always surprised when I see someone younger wearing a watch. Wouldn't spend more than 50 bucks on a watch but to each their own. Just doesn't do enough for me to spend any kind of money when I can get one much cheaper that does the same thing.

mak1277
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Re: What big item (>20k) are you saving up for?

Post by mak1277 » Thu Feb 15, 2018 3:53 pm

MindTheGAAP wrote:
Thu Feb 15, 2018 2:58 pm
EnjoyIt wrote:
Thu Feb 15, 2018 2:28 pm
HomerJ wrote:
Thu Feb 15, 2018 2:21 pm
corn18 wrote:
Mon Feb 12, 2018 8:16 pm
gouverneur wrote:
Mon Feb 12, 2018 7:28 pm
Patek Philippe for sure ...

Just kidding. I do love mechanical watches but right now not saving much for anything. Do like to travel a fair amount, but don’t blow anywhere close to 20k on any one trip (maybe over two or three years of 7-10 trips a year, mostly weekend jaunts).
Not saving up for it, but I am trying hard not to pull the trigger on this one:

Image
Looks exactly like a $50 Timex
To be honest, I just don't get it. I have no idea how much that watch is worth or why it is worth that much. To me it looks like a simple watch and nothing special.
To each their own - I can't imagine spending $26k on that (per Jomashop) but if you have the coin for it then I suppose that's your prerogative
As for me, I'd rather spend $26k on that watch than any car you could buy. It's an absolute work of art.

thangngo
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Re: What big item (>20k) are you saving up for?

Post by thangngo » Thu Feb 15, 2018 3:54 pm

heyeaglefn wrote:
Thu Feb 15, 2018 3:25 pm
I am always surprised when I see someone younger wearing a watch. Wouldn't spend more than 50 bucks on a watch but to each their own. Just doesn't do enough for me to spend any kind of money when I can get one much cheaper that does the same thing.
How about Fitness watch? I don't have a watch but I love my fitness watch. :beer

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Clever_Username
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Re: What big item (>20k) are you saving up for?

Post by Clever_Username » Thu Feb 15, 2018 3:54 pm

heyeaglefn wrote:
Thu Feb 15, 2018 3:25 pm
I am always surprised when I see someone younger wearing a watch. Wouldn't spend more than 50 bucks on a watch but to each their own. Just doesn't do enough for me to spend any kind of money when I can get one much cheaper that does the same thing.
The watch I wear daily was a gift for me from my best friend when I was best man at his wedding. It almost certainly cost more than $50, but it looks great and reminds me of him when I wear it.
"What was true then is true now. Have a plan. Stick to it." -- XXXX, _Layer Cake_

MrNewEngland
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Re: What big item (>20k) are you saving up for?

Post by MrNewEngland » Thu Feb 15, 2018 3:59 pm

YOU CAN'T EVEN GET TEXTS ON THAT WATCH!!!!!!!!!!!!!!

:wink:

sambb
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Re: What big item (>20k) are you saving up for?

Post by sambb » Thu Feb 15, 2018 3:59 pm

911 Targa

heyeaglefn
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Re: What big item (>20k) are you saving up for?

Post by heyeaglefn » Thu Feb 15, 2018 4:04 pm

thangngo wrote:
Thu Feb 15, 2018 3:54 pm
heyeaglefn wrote:
Thu Feb 15, 2018 3:25 pm
I am always surprised when I see someone younger wearing a watch. Wouldn't spend more than 50 bucks on a watch but to each their own. Just doesn't do enough for me to spend any kind of money when I can get one much cheaper that does the same thing.
How about Fitness watch? I don't have a watch but I love my fitness watch. :beer
Sure, a Fitness watch does much more than that watch above, even if it is uglier. To me I would get no pleasure our of wearing that watch above. Don't think it would get me any extra dates, well no more than using that 26k on something else like a car or nice clothes would.

But there are obviously people that buy them so like I said to each their own.

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3CT_Paddler
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Re: What big item (>20k) are you saving up for?

Post by 3CT_Paddler » Thu Feb 15, 2018 4:10 pm

It's amazing the difference several years makes... this thread would have been a ghost town in 2008-2010.

There is nothing big we are saving up for. As a middle class single income family with two kids and one on the way, just trying to save a little and keep everything running is the goal these days.

PFInterest
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Re: What big item (>20k) are you saving up for?

Post by PFInterest » Thu Feb 15, 2018 4:22 pm

miamivice wrote:
Mon Feb 12, 2018 6:50 pm
A lot of Bogleheads have considerable taxable accounts. If you are saving up to buy a large purchase (in excess of say $20,000), what might that item be?

Around my neighborhood I see a lot of folks have boats and recreational vehicles. I suspect most are paying monthly on them though. At my megacorp a lot of folks like to do international travel and some of their trips are in excess of $20,000.

(Reason for my post is I have bit of taxable saved up and thinking about what I might spend it on if I chose to spend it.)
A house...

iamlucky13
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Re: What big item (>20k) are you saving up for?

Post by iamlucky13 » Thu Feb 15, 2018 4:53 pm

One (or perhaps even two in the long term of)

- My neighbor's pasture, if she decides its time to move to an assisted living facility
- A quiet piece of property up in the mountains for a cabin
- An add-on to our home to keep up with the kids as they grow

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Ged
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Re: What big item (>20k) are you saving up for?

Post by Ged » Thu Feb 15, 2018 5:44 pm

End of life care.

Lonestarz
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Re: What big item (>20k) are you saving up for?

Post by Lonestarz » Thu Feb 15, 2018 5:56 pm

whodidntante wrote:
Mon Feb 12, 2018 7:53 pm
No, I don't. Why would I need a special car bucket? I have money for a car, or I can take a low interest loan for a car. And I also don't cut expenses in anticipation of buying a car. If I'm somehow wasting money, I cut that anyway. My expenses are not a car issue.
I never really thought about buckets but I guess I do use them in the sense that income typically goes to stocks so if I am anticipating buying a new car I would contribute to cash savings ahead of time. Even in retirement I would budget for a car so I don’t exceed my budget.

I think it’s a bit silly how immediately and firmly you oppose your understanding focusing on “buckets” as opposed to what I took to be a much more open ended question. You can call budgeting using buckets of it makes you happy.

Hillview
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Re: What big item (>20k) are you saving up for?

Post by Hillview » Thu Feb 15, 2018 6:12 pm

This year we paid off mortgage and fully funded college funds for 2 kids. Next up is paying for retirement. A few house projects but they are in the 10k or under variety (interior paint, replace the deck).

Could consider a condo somewhere warmer in 10 years but that is really just an idea at this point and not an active pursuit.

gmc4h232
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Re: What big item (>20k) are you saving up for?

Post by gmc4h232 » Thu Feb 15, 2018 6:21 pm

Saving up to buy a bridge to 72(t).

lws6772
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Re: What big item (>20k) are you saving up for?

Post by lws6772 » Thu Feb 15, 2018 6:37 pm

Retirement, or at least something other than medium to heavy physical labor, 20 months to go. :sharebeer
Rule 1. Never lose money. Rule 2. Never forget Rule 1.

Enzo IX
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Re: What big item (>20k) are you saving up for?

Post by Enzo IX » Thu Feb 15, 2018 6:43 pm

House on Lake Washington in Medina next to Bill Gates, Paul Allen, and Jeff Bezos. Then I could make some extra cash dragging my lawn mower over and cutting their lawns.

All kidding aside, I am saving for a business venture in commercial real estate (mini storage).

stoptothink
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Re: What big item (>20k) are you saving up for?

Post by stoptothink » Thu Feb 15, 2018 7:51 pm

mak1277 wrote:
Thu Feb 15, 2018 3:53 pm
MindTheGAAP wrote:
Thu Feb 15, 2018 2:58 pm
EnjoyIt wrote:
Thu Feb 15, 2018 2:28 pm
HomerJ wrote:
Thu Feb 15, 2018 2:21 pm
corn18 wrote:
Mon Feb 12, 2018 8:16 pm


Not saving up for it, but I am trying hard not to pull the trigger on this one:

Image
Looks exactly like a $50 Timex
To be honest, I just don't get it. I have no idea how much that watch is worth or why it is worth that much. To me it looks like a simple watch and nothing special.
To each their own - I can't imagine spending $26k on that (per Jomashop) but if you have the coin for it then I suppose that's your prerogative
As for me, I'd rather spend $26k on that watch than any car you could buy. It's an absolute work of art.
FWIW, Corn18 has had several updates about his watch-buying phase. I think he ended up spending $270k in a short amount of time on watches and then realized he wasn't into it. I think he re-sold almost all of them and now wears a Timex (or the like).

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weltschmerz
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Re: What big item (>20k) are you saving up for?

Post by weltschmerz » Thu Feb 15, 2018 9:39 pm

stoptothink wrote:
Thu Feb 15, 2018 7:51 pm
FWIW, Corn18 has had several updates about his watch-buying phase. I think he ended up spending $270k in a short amount of time on watches and then realized he wasn't into it. I think he re-sold almost all of them and now wears a Timex (or the like).
Humans spend their hard-earned money in very strange ways.

Of course if you're dropping that much money on watches, I doubt it was "hard-earned".

I was at the store the other night, and I was buying a 6-pack of IPA for $10. The cashier asked if it was any good, and I said I liked it a lot, and she should get some. She said, "Nah, it's not worth an hour's pay to buy that". Wow, that put it into perspective for me.

joeblow
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Re: What big item (>20k) are you saving up for?

Post by joeblow » Thu Feb 15, 2018 9:47 pm

Retirement. Need at least $3.5m (total, not more). Fortunately, everything else I am able to just buy at this point. Including the Porsche that I have been wanting, but will not actually pull the trigger on.

jadedfalcons
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Re: What big item (>20k) are you saving up for?

Post by jadedfalcons » Thu Feb 15, 2018 9:56 pm

Buying a car. Like others, I have a taxable account that's sufficient, but I choose to keep my car fund completely separate at Schwab because I don't consider it (or a car) as part of my net worth, so I like to keep it completely off my radar.

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Cycle
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Re: What big item (>20k) are you saving up for?

Post by Cycle » Thu Feb 15, 2018 10:50 pm

Saving in VTIAX to buy more VTIAX

IowaFarmWife
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Re: What big item (>20k) are you saving up for?

Post by IowaFarmWife » Thu Feb 15, 2018 11:50 pm

Texanbybirth wrote:
Tue Feb 13, 2018 11:40 am
Pilgrimage to the Holy Land for my wife and I, with possible extension in Jordan. And plane tickets for grandma and grandpa to come stay with the kiddos!

ETA: not gonna happen because we wouldn't leave our little ones for that long, so instead we're saving up assuming it will probably cost >$20k with inflation by the time we're able to actually GO on the trip. :D [It's all a pipe dream right now anyway, but they say even planning a vacation is mentally beneficial.]
Oh, I want to go, too! Hubby and I were just talking the other day about going to the Holy Land one of these days, too. I guess I should start saving some money.

KeepItSimple78
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Joined: Fri Apr 15, 2016 6:03 pm
Location: Louisiana

Re: What big item (>20k) are you saving up for?

Post by KeepItSimple78 » Fri Feb 16, 2018 12:39 am

A home down payment, accumulating in a high-yield savings. Looking to buy a long-term family home sometime during 2018.
Avid reader of personal finance/investing literature; however, no formal training in this area. My comments are always well-intended, and most often well-informed.

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HomerJ
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Joined: Fri Jun 06, 2008 12:50 pm

Re: What big item (>20k) are you saving up for?

Post by HomerJ » Fri Feb 16, 2018 12:53 am

Jazztonight wrote:
Thu Feb 15, 2018 2:33 pm
However, of my "bucket list" items that actually cost money, the first is a world cruise. DW and I have the date penciled-in: Jan. 2020. 111 days.
I'm not saving up for that NOW...

But I do intend to add a few extra months at the end of my career and use that money for a 7 week cruise (starts in Seattle, hits Alaska, Hawaii, South Pacific, New Zealand, ends up in Australia).

I may even work another 1-2 months to pay for first-class tickets home... :)

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