You should never take financial advice from a traveler. They are somewhat like addicts.
Any major foreign family trip we've ever planned was never a good idea on paper.
Pull the kids out of school, leave your small business partner alone, spend money you don't necessarily have.
My husband and I have never planned a big trip on a long-lead. We just don't have the patience to wait.
But after many trips overseas we've realized we may be onto something. When you have the time, you don't have the money. When you have the money, you don't have the time.
Hence, rather than saving up for years (the prudent way) nearly all our trips have been put on a credit card and paid off later.
Our approach is more of - you never know what tomorrow will bring.