I take my kids and grandkids on vacation twice a year. The trips are well worth the $30,000 I spend.

Francine Bookbinder with her husband and family on a recent vacation. Courtesy of Francine Bookbinder Francine Bookbinder enjoys family vacations abroad each year with the two younger generations. The group opts for all-inclusive resorts or cruises and always has adjoining rooms. Bookbinder pampers her loved ones by paying for everything, as they couldn't afford it otherwise. This interview is based on a conversation with Francine Bookbinder, 61, a retired teacher's aide from New York City....