It really doesn't have to be so. You can reasonably buy a really nice vacation flat at the beach in, say, Albania for 30-60k€ or refurbish a Japanese "Akiya" (a

It really doesn't have to be so. You can reasonably buy a really nice vacation flat at the beach in, say, Albania for 30-60k€ or refurbish a Japanese "Akiya" (abandoned home) for similar cost. If you're into skiing and beaches Turkey might be a cheaper consideration as well. (i.e. Antalya) I'm sure similar options exist in the Americas. Added benefit is you can run an AirBnB off-season, depending on where and what you buy. Such things are realizable loan-free with a few years worth of savings, no richness needed.