It happens, I would not do a loan either.
Wife is begging me for us to travel more in Australia before I retire. I told her one more big trip, Great Barrier Reef and we are done.
Relocating home is going to be expensive. There will be more tags and more oppertunities.
One of my least favorite human concepts is that idea of "once in a lifetime".
The whole idea of once in a lifetime is BS.
You'll have other chances, don't worry. Just think you are that much closer to next years trip.