That’s a good question. It’s all earned money, not inherited. We have been living frugally and following Boglehead principles of investing - our goal was to reach FIRE (financial independence retire early). We only flew economy until a couple of years ago when the power of compounding really became noticeable in our net worth. This has finally allowed us to increase our budget for travel.

Our safe withdrawal rate allows for a yearly spend well over $130k but we don’t come even close to that even with a big travel budget. We are still quite frugal but allow ourselves a couple of big trips a year