Age 28 and older, you are thinking about a present place to live, happiness, travel, relationships, and career. Not retirement, and not in that order.
You know who you are now, you also know you will change. Life at an age of any lifestyle is expensive. Now, think about this, you save a little money monthly, list places you would like to travel to, review the all-inclusive resorts of the membership program, decide if you wish to pay for your vacation or add-on to your monthly membership.