Result?
Two frustrated people. He feels he cant enjoy his retirement. She feels hes a threat to their long-term security and her desire to leave money to the children.
Creating A Travel Fund
| Year | Travel Cost | Present Value | Cumulative |
| 0 | $4,800 | $4,800 | $4,800 |
| 1 | $4,944 | $4,444 | $9,244 |
| 2 | $5,092 | $4,115 | $13,360 |
| 3 | $5,245 | $3,810 | $17,170 |
| 4 | $5,402 | $3,528 | $20,698 |
| 5 | $5,565 | $3,267 | $23,965 |
| 6 | $5,731 | $3,025 | $26,990 |
| 7 | $5,903 | $2,801 | $29,791 |
| 8 | $6,080 | $2,593 | $32,384 |
| 9 | $6,263 | $2,401 | $34,785 |
| 10 | $6,451 | $2,223 | $37,008 |
| 11 | $6,644 | $2,059 | $39,067 |
| 12 | $6,844 | $1,906 | $40,973 |
| 13 | $7,049 | $1,765 | $42,738 |
| 14 | $7,260 | $1,634 | $44,372 |
| 15 | $7,478 | $1,513 | $45,885 |
| 16 | $7,703 | $1,401 | $47,287 |
| 17 | $7,934 | $1,297 | $48,584 |
| 18 | $8,172 | $1,201 | $49,785 |
| 19 | $8,417 | $1,112 | $50,897 |
| 20 | $8,669 | $1,030 | $51,927 |
Scott Burns is the retired Chief Investment Officer of AssetBuilder, the creator of Couch Potato investing, and a personal finance columnist with decades of experience.