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Average Young American spends more time planning their next vacation than their entire financial future each year.

Take some time, sit down (maybe with a nice cold hopped beverage)and figure out where you want to be in five years.  And ten years.  and 20, and 30 and 40.

Then start getting together your plan to get there.

Vacations are among the most stressful things possible, especially with kids.

If you need a vacation from a vacation, go to a park or field or camp ground.  Do it in the morning before the world is really waking up, and just listen to the birds and watch the mist burn off with the morning sun.  30 minutes of this while quietly walking will do wonders for you, from your blood pressure to countering cortisol and all of the stress hormones in your system.

30 minutes of quiet time like this has been proven to be as effective as almost 3x that amount of time of sleep, will improve your productivity, and make it so that you don’t kill someone and bury their body in the woods.

Yes my friends it is wicked hot here in the Northeast.  Stay hydrated.

While you are having a beverage of your choice, think about this:

When was the last time you took a vacation?  How long did you plan for it?

Now, how much time have you spent on planning your entire financial future?

I took a little quiz on CNN.com the other day about how badly a vacation is needed.  I need one immediately.  75+ hours week after week with no down time (young kids and other responsibilities whenever I am not “working”) will exhaust the body and spirit.  And I need to re-read Tim Ferriss “4 Hour Work Week” to get back down to under four hours a day on the weekends.

One of the reasons many companies ask how long your tyoical work week is is not because they are concerned as much about whether you are at 36 or 37.5 hour per week, but rather if you are at over fifty on a consistent basis because of how it drains you.

So to make sure that I do not have a breakdown (which would not help you dear reader), I am actually going to take today and tomorrow off from working, at least until the sun goes down tomorow.  That will be 36 continous hours without work for me, the equivalent of a week long vcation for most people.

So take a bit of time off, a mental and physical health day.  Sleep in (unless your baby wakes you at 4 a.m. like happened to me), stay in your pj’s for an extra hour, and take some time to play with legos or something else you wouldn’t normally get the chance to do.  And DO NOT feel bad about it at all!  You are on vacation.