Courtesy of Dr. Cacinda Maloney of PointsandTravel.com.Cacinda Maloney has always traveled. At the start of her 21 years as a licensed chiropractor, a business coach advised her to travel every six weeks. She and her husband "thought he was crazy at first, especially since we had just graduated from college with our doctorate degrees and in debt of college loans at $100,000 each," she told Business Insider in an email. "We were go-getters who were ready to work after 10 years of college.