Stop spending all your money on spur-of-the-moment mall-dives and start saving it to go to the Maldives, where the Taj Exotica Resort & Spa's lux villas sit above crystal clear Indian Ocean waters. It's palm-y perfection might make you forget you ever opened a line of credit at Lidz. Located just west of Sri Lanka, Taj sits amidst an ocean lagoon, and is the only property on the island known as Emboodhu Finolhu, a.k.a., "Three Coconut Island", which's hopefully named after tri-meloned mermaids who live off its shores. But maybe not. The super-glam rooms are a far cry from the tiki-fied stilt huts you're used to seeing at exotic locales, and each one comes with private butler service. Then again, when "the bathrooms have views of the crystal-clear lagoon", who really gives a crap about anything else? Even though all 64 bano-with-a-view rooms are just steps from the water, Deluxe Lagoon Pool Villas like this one have their own plunge pools and direct access to the lagoon via a "private ladder", which might sound mundane, but can you name the last hotel room you stayed in that had it's own private ladder? Didn't think so. And the fun doesn't stop at private ladders and epic bathrooms! Taj also has a spa, a boozery called The Equator Bar, plus two restos: The Deep End (global fine dining) and a casual Pan-Asian joint named 24 Degrees.