4. When's the Right Time to Go on That Trip?

Pat breaks down why booking early for cruises and all-inclusive vacations almost always works in your favour, covering cabin availability, pricing, and how deposit and final payment actually work. He also shares how Flex Pay can help spread out upfront costs on flights, hotels, and excursions.

Next episode ties the why, how, and when together with a look at where to go once those questions are answered.