You're scrolling through Instagram at 2 AM, and suddenly you're hit with wanderlust so strong you could book a flight to Italy right now. Your finger hovers over that "Book Now" button, and you think, "I work hard, I deserve this."

Hold up there, spontaneous traveler. Before you let your credit card take a vacation it can't afford, let's talk about how smart travelers like you can see the world without your bank account crying tears of regret.

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