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How we saved for our $20,000 retirement dream vacation

Some consider retirement to be synonymous with relaxation, but Shirley Frye and her husband, Dan, had something more adventurous in mind. In 2015, the Fryes embarked on a 5½-month, 8,300-mile bicycle trek across South America. “We were both serious runners and hikers, and then, as the limbs and the legs started to fail, we got into cycling,” says Shirley Frye, 60, a retired chief financial officer at a community bank in Cape Cod, Mass. The couple’s love for adventure led them to sign up for tour company TDA Global Cycling’s South American Epic, an expedition where they cycled about 65 miles per day before stopping at various campgrounds and hotels from Cartagena, Colombia, at the top of the continent to Ushuaia, Argentina, near the ...