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Are there any credit cards that provide enough protection for booking a cruise or do I need to take out seperate trip insurance?

5:39pm on 5/31/26 by vickiwaffles

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Will speak to Chase Sapphire as I just had to use it for delays following a cruise. They have some free coverages built in- I was ability to get the max benefit of $500 for delayed flights after a cruise. I'm not sure the cancellation max benefit but

5:52pm on 5/31/26 by LaurenInWonderland

I usually add on cruise insurance separately (didn't for this short solo one). The $500 I got helped cover hotel and such

5:53pm on 5/31/26 by LaurenInWonderland

Travelling from U.K. we wld always have insurance for medical as well as travel issues. Woukd you be covered for a medical problem on the ship? There was someone helicoptered off the wish at castaway on our cruise

6:15pm on 5/31/26 by hodg

Depends on what you want coverage for. CCs are usually trip interruption (flight delay or something) but not coverage if you get sick and can't go or something like that.

7:28pm on 5/31/26 by melcort10

I just bought insurance for a short cruise to the Bahamas. Wasn't worried about cancellation but wanted medical coverage for pre-existing conditions.

9:16pm on 5/31/26 by snowdiz

@snow good call on medical. Trip insurance oftenn doesn't cover medical. That's separate and an evac from a cruise is super expensive.

5:30am by Flutegarden

I usually take out seperate insurance but figured I'd ask. Regarding getting flown off a ship, I heard the coast guard doesn't charge. Of course the hospital you end up in will.

11:10am by vickiwaffles

@Vicki don't know about Coast guard and cost but they most likely will take you to the closest hospital. Yup can purchase a cheap comprensiva plan at https://bcbsglobalsolutions.com/individuals-and-families/?link_id=305557&utm_source=google&utm_medium=cpc

11:51am by Flutegarden

And don't think Coast guard will help in non US territory.

11:53am by Flutegarden

Chase Sapphire Reserve includes emergency medical/evacuation coverage

12:19pm by LaurenInWonderland

Scroll down for a helpful chart, then check the specific card benefit guide https://frequentmiler.com/ultra-premium-credit-card-travel-insurance/ CSR evac covers up to $100K if you use the card to pay for the trip. Amex Plat has no limit for evac 1/

12:24pm by KLuck

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coverage and you do NOT have to pay for the trip w the Plat. You just need to be a cardholder.

12:25pm by KLuck

That's crazy the coast guard doesn't charge. Our local city EMTs are thousands of dollars. (And 25 years ago at least they were out of network - that was a fight with Cigna especially since back then the in network guide was a booklet.)

12:32pm by popupcamper

It really is frustrating that an ambulance ride can be so expensive. I had seen pics of the coast guard lifting people off DCL and other ships and found out it's free because you are a citizen and you already pay for it in you taxes.

1 min ago by vickiwaffles

I've got a Poly tower Duo studio booked for the Princess Half which I planned on doing solo but now DH wants to come too. I'm contemplating moving to a Tower Deluxe Studio instead so we have more space. If you've stayed both what do y'all think?

1:49pm by popupcamper

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Took a quick peek and for around the same points 1 bedroom SSR, OKW, AKL, BWV. Where can you book now.

28 min ago by youcanfly

Agree @Youcan. I own at Poly and Grand, so I'll have to wait for 7 months to see what's still available. We really like BW, but I can't imagine that'll still be available. Not really AKL fans.

21 min ago by popupcamper

Stayed in duo poly studio last December for two nights. The view was amazing (premium view). I found the bed uncomfortable. I thought the mattress was thinner than Murphy bed at BWV.

11 min ago by IMarriedMyEllie

Has anyone who actually LIKES character meals and edible food been to Chef Mickey's lately? I haven't been there for good reason for about 15 years, but I just reserved lunch for our arrival day at CR. Debating whether to change.

1:56pm by Ali Ababwa

Hahaha. Went in March for latest breakfast seating. Waited a very very long time to be seated. Other than that, character interactions were great. Quick, to be expected, but you meet so many. nothing special for food but my DS11 said it was his fav.

58 min ago by LKriz

I have an old old memory from there of teaching my nephews to put black olives on every finger.

52 min ago by Ali Ababwa

It's been about that for me too terrible experience and we never returned

20 min ago by WorldTraveler34

Encase anyone needs the number to the Caribbean Beach resort here is the front desk phone number (407)?934-3400

23 min ago by WorldTraveler34

(407)?934-3400 you can get a live person right away

22 min ago by WorldTraveler34

Not sure why it app is adding a question mark

22 min ago by WorldTraveler34

Since RnR starring Muppets reopened how has the day of LL grab been? Are ppl being successful grabbing that after they tapped into first LL?

46 min ago by tddusina

It had not been available even at park open for the first week or so. Today, though, it's showing availability for 4 pm right now.

31 min ago by utang44

Is there a how to for touring plans or a place to get help? I keep asking the system to prioritize, my lightning lane selections and it just doesn't

12:18pm by jenniferrau@hotmail.com

You can reach out to the Touring Plans team by choosing the Contact option on the home page of this app. They can help you troubleshoot.

12:22pm by utang44

The touring plans have been glitchy for me the past few days. I had to delete all my lightning lanes then "evaluate "then put them all back in again, force it to use my Lane times .make sure youve hit save after in putting the times.

2:11pm by LuvEmSunnyDays

Same here. After optimizing, showing "use LL" for all LL rides & listing the short LL wait times for everything. No steps to tell you when to obtain additional LLs. Also not using all 3 of the inputted LLs. The tool seems unusable in this condition.

50 min ago by jeffg4

188 days. Good morning Liner friends! Share those countdowns please.

6:09am by TacMed

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119

9:43am by mem459

71 to DL. Have a good Monday all!

1:06pm by njhyndman

21! And I just realized that today was 60 days out from our brief Poly stay in July so I quickly made some ADRs.

1:58pm by Ali Ababwa

Princess Half registration tomorrow. Who is in?

8:15am by popupcamper

I will cheer you on!

9:33am by Jennyhirsch

I wish! Good luck (clover emoji)

10:34am by Ali Ababwa

Let us know how it goes- what are you aiming to enter?

1:14pm by hodg

I think I'm going to do the half. DH told me this morning he wants to do it too. It was going to be solo as he always told me 10K was his limit but when I told him I was doing it he had FOMO.

1:52pm by popupcamper

Would it be odd for two men 65+ to dine at Akershus? Want to try Norwegian dinner; not sure if people will look at us strangely being there without a child. We dined at Cinderella's Castle and felt comfortable. Hoping it would be the same there.

6:40pm on 5/31/26 by bowlerboy

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Do it.

9:53am by WorldTraveler34

If you would like to eat there, then it would be odd NOT to go. Enjoy!

10:55am by trishr.

Why would you care what others think? You be you but if you need new WDW friends my Family is getting burnt out. How do you read 3 men at dinner?

1:29pm by JackOfAll

NDR: Recs on fave podcasts on midlife financial planning? I wanna know how much longer I need to work to have enough to pay for college and fund disney trips for the rest of my life. Then as my DH days, we wanna go "work optional". :D

8:14pm on 5/28/26 by Totsypooh

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I need that too lol

8:20pm on 5/28/26 by nightowl04

Oh my gosh, one of my other obsessions the last 10-15 years. :D Definitely suggest the ChooseFI podcast, although they take a little too long to get to the point sometimes, tons of good info over the years. For the financial mathy philosophy topics check:

8:37pm on 5/28/26 by JJT (staff)

Your Money Your Wealth, Stay Wealthy Retirement Show, Long Term Investor Podcast. The first one (YMYW) podcast might be an acquired taste, but I find the many scenario building and discussion very helpful in learning a lot of details.

8:39pm on 5/28/26 by JJT (staff)

For more general, but still with some tax/mathiness: The Retirement Answer Man, Retirement Starts Today, Meb Faber Show, Big Picture Retirement. I'm sure you'll find at least a couple of all of these helpful. :)

8:41pm on 5/28/26 by JJT (staff)

Also, to play around with your own scenarios, try out Boldin Retirement Planner. There's a free version, but the trial has full access to everything including Roth Conversion Planner etc. Not a perfect tool, but really good overall.

8:44pm on 5/28/26 by JJT (staff)

Oh, check out this old Mr Money Moustache blog post for a simple on take on early retirement and the numbers: https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/

8:45pm on 5/28/26 by JJT (staff)

Yes to ChooseFI

8:46pm on 5/28/26 by LaurenInWonderland

TwinSpires, LOL! Belmont is next week! TBH I have a money lady at Ameriprise who helps me because this is a no-fun zone for me, for reals. I'd invest it all in pennywhistles and moonpies if given the choice! I get help from nerds who have more expertise

9:09pm on 5/28/26 by joeyjojojuniorshabadoo

@joejojo Pennywhistles and moonpies LOL.

9:20pm on 5/28/26 by JJT (staff)

I KNEW you guys would have good suggestions. THANK YOU. :)

9:52pm on 5/28/26 by Totsypooh

Oooohhhh thanks for the suggestion on the planning software!!! Ive been wanting to build a model to play with scenarios and was thinking to try to build one on claude. (Just for fun) But if a good one already exists ill try it for sure.

9:54pm on 5/28/26 by Totsypooh

Sfl.

9:56pm on 5/28/26 by 56arlene

Since we are on the topic ive also been eyebrows deep into college admissions podcasts as well. Yup. The kid who was taking HS entrance exams from Pop now has eyes on highly selective programs. So mom needs to figue out how to get her in and pay for it!

9:58pm on 5/28/26 by Totsypooh

Nice list of suggestions!

10:12pm on 5/28/26 by QueenOfHearts

The Money Guy Erin Talks Money (Podcast & YouTube)

10:30pm on 5/28/26 by kcaseybooks

SFL

12:13am on 5/29/26 by CitrusSwirlGirl

Sfl

1:41am on 5/29/26 by Jewra

Saving

3:09am on 5/29/26 by ram777

SFL

6:13am on 5/29/26 by Ange425

Sfl

6:48am on 5/29/26 by CVC

Big fan of James Canole at Root financial

7:34am on 5/29/26 by molly99

Sfl

8:01am on 5/29/26 by vickiwaffles

Sfl

9:43am on 5/29/26 by el_1102

Saving. Thanks!

11:48am on 5/29/26 by twinmom2002

I find it ironic that if it werent for the money Ive spent on disney id probably be able to retire earlier :p lol. It's probably set me back a few years. Hahaha. YOLO! :p

11:54am on 5/29/26 by Totsypooh

Thanks for info. Now if I can cure DVC addonitis......

12:24pm on 5/29/26 by cdlla

@cdlla let me know if that works... lol!!

12:51pm on 5/29/26 by youcanfly

Just so you know - i think ill classify DVC as a liquid asset. Hahahah!

1:12pm on 5/29/26 by Totsypooh

I actually checked to see if timeshares would count as an asset when applying for financial aid and it said that while most timeshares are ascribed a very low value some like DVC and marriot have a resale value and needs to be declared (the jigs up!)

1:14pm on 5/29/26 by Totsypooh

There goes my plan to hide my millions in DVC contracts!

1:14pm on 5/29/26 by Totsypooh

HerMoney by Jean Chatsky. Not retirement focused but she's been around forever and has a new book soon the Forever Paycheck.

1:41pm on 5/29/26 by mary32830

More philosophy than specific advice, but the book "Die with Zero" is an interesting read.

1:50pm on 5/29/26 by KangaLilo4

Love the book recs! And im already playing around with the planning application. Its fabulous thanks @JTT!

2:24pm on 5/29/26 by Totsypooh

@JJT!

2:24pm on 5/29/26 by Totsypooh

Great! I have my own crazy spreadsheet, but for years I'd be offered new Boldin trials so would take advantage of those to compare my own numbers to what their tools said. Now that I'm about 1.5 years out I've just transitioned to Boldin.

2:52pm on 5/29/26 by JJT (staff)

For simple investing books, might want to check out The Simple Path to Wealth and these Bogleheads books: The Bogleheads' Guide to Investing, and Bogleheads' Guide to Retirement Planning. Long before I discovered any of those I moved to an all...

2:56pm on 5/29/26 by JJT (staff)

..index investing maybe 25 years ago. Really makes things simple to do AND it really paid off with low fees vs my Merrill Lynch guy's mutual fund picks that were not keeping up with market and bleeding me dry with fees and commissions.

2:58pm on 5/29/26 by JJT (staff)

Oh, I also thought Morgan Housel's book The Psychology of Money was interesting. I agree Die with Zero should definitely be on the list too, but I think a lot of people online take the title phrase too literally. :D

3:03pm on 5/29/26 by JJT (staff)

Sfl

3:14pm on 5/29/26 by njhyndman

Maybe I need to look at this post....

3:14pm on 5/29/26 by Gusgus5

Totally worth it to meet with a financial planner if you can. I know DH meets with one offered through our 401k management maybe every couple years. They can get specific with your goals and targets.

3:21pm on 5/29/26 by maurine08

Sfl

3:47pm on 5/29/26 by loveslions

We also just started meeting with a financial planner. Ours works with people at DH work so they understands specifics about his benefits package. It's been super helpful.

3:48pm on 5/29/26 by jenc45

Yes ill try the 14 day free trial for now and go from there. And im also taking advantage of some of the financial planning benefits at work too

3:55pm on 5/29/26 by Totsypooh

Just want to throw it out there that not all financial planning benefits from employers will be on your side as much as you like. Was the case with mine. If they start to try selling you investing in a crazy number of funds or throwing money at...

4:04pm on 5/29/26 by JJT (staff)

..annuities etc without a comprehensive financial plan, my advice: take your notes & do some more homework. There are networks of fee-only financial planners that do not sell product which takes self-dealing possibilities out of the equation for you.

4:06pm on 5/29/26 by JJT (staff)

Thanks for all the tips! Super helpful. With two MBAs in the house im hoping we can figure this out reasonably well. :p its still intimidating!

5:15pm on 5/29/26 by Totsypooh

As you know @JJT, the fax machine is just a waffle iron with a phone attached! (Srsly haven't watched the Simpsons in almost 20 years but still quoting 90s era every day, LOL)

6:24pm on 5/29/26 by joeyjojojuniorshabadoo

Sfl

6:36pm on 5/29/26 by mcmillertime

I'll echo those who have suggested a fee based financial planner. You want someone who is a fiduciary. Not someone who is getting a commission if they sell you x.

7:27pm on 5/29/26 by evamarie320

@joeyjojo :D

7:42pm on 5/29/26 by JJT (staff)

Sfl

7:49pm on 5/29/26 by supergirl1998

Sfl

8:23am on 5/30/26 by Suggles

@kanga if you see this that book is very much important im a cancer surgeon I see people save and save only to not enjoy their time here. I'm not against retirement! But enjoy before too. Not that liners don't !

8:59am on 5/30/26 by snelvis

My problem i think is i have fomo with the kids and enjoy too much. :p (lost both parents early - very aware tomorrow is not promised. :) )

9:18am on 5/30/26 by Totsypooh

Thanks so much for all the thoughtful answers - writing it all down before this thread gets bumped down.

9:19am on 5/30/26 by Totsypooh

I'm of the School of Spending on Experiences, which has gotten me to an advanced age without any bankruptcies YET

9:20am on 5/30/26 by Ali Ababwa

Amen to that. Cant take it with you!

9:54am on 5/30/26 by Totsypooh

Yep. My dad died at 49 and was always saying "when I retire I'll...". So we have worked hard to balance saving for retirement with enjoying life. Our travel budget is the biggest line item in our budget. But we drive our cars til they have over 100k and

10:26am on 5/30/26 by evamarie320

still live in our "starter house." It's all about choices. Best advice I got about saving: remember you can get loans for college. You can't for retirement.

10:27am on 5/30/26 by evamarie320

@eva 100%. We've been mostly a 1-income family since kids were born, so focused on retirement savings vs college. Decades of that worked in our favor because now we've gone into coast mode to shift to cash flowing as much of college as possible..

10:35am on 5/30/26 by JJT (staff)

..& should be able to knock out a large amount of college loans over time anyway & still be on solid ground. That being said: college costs are 1000% insane. I worked 2 (or 3) jobs in 80s & paid for school outright. That wouldn't make a dent these days.

10:38am on 5/30/26 by JJT (staff)

Thats what im struggling with. I grew up in a culture were parents paid 100pct of college costs. Even often funded first houses. Feels counterintuitive to make the kids take out loans. I also know how hard it was to pay off grad school loans while

10:57am on 5/30/26 by Totsypooh

Establishing a career, starting a family etc. so playing around with so many tradeoffs and frankly, very different perspectives on all this between me and DH

10:58am on 5/30/26 by Totsypooh

College costs in the US are absolutely insane IF you want to give the kid a chance at the "best" (define how you wish) school they can get into. There still are relatively low cost options for (relatively!) high achieving kids if you are open to them

11:01am on 5/30/26 by Totsypooh

If I were ready to let her "just" go to whatever school might be willing to give her a full ride i could probably quit my job monday and be ok. Pls dont take offense at any of this - i know its a priviledged choice just like going to Disney.

11:03am on 5/30/26 by Totsypooh

@eva - same here. My dad at 44, my mom at 64. Making the most of today while hoping i outlive my longest DVC contract :)

11:05am on 5/30/26 by Totsypooh

@JJT - what to you mean by "cash flowing as much of college as possible"?

11:07am on 5/30/26 by Totsypooh

We stopped saving into the retirement account a few years ago and shifted that money into college costs as they came up because we had already passed our retirement savings goals. :) We did save some money in 529s before, but not a lot.

11:20am on 5/30/26 by JJT (staff)

Putting on our own oxygen masks first, as it were. BTW, I am sadly in the same Dad club: mine passed when he was 48 (I was 11). Been trying to also focus more on family experiences for years now, but still can be hard to spend.

11:23am on 5/30/26 by JJT (staff)

Ah gotcha! Makes sense thank you.

11:23am on 5/30/26 by Totsypooh

Keep contributing a bit to those 529s, though, even after kids' college. You can change beneficiary to grandkids when they are born. Immense value in letting them compound while you wait for grandkids to actually be born, lol.

1:38pm on 5/30/26 by Jennyhirsch

$35k of the 529 can also be switched to Roths too so the kids can get started with a good retirement base to compound for a long time. In state college at least in Texas isn't too bad. About $13k a year. We are a dave Ramsey family.

4:03pm on 5/30/26 by popupcamper

Sfl

4:57pm on 5/30/26 by Tracyclary

Saving!

7:08pm on 5/30/26 by Blogirl77

I needed this info about 15 years ago!

8:01pm on 5/30/26 by MarioMom

Pay attention to receiving dividends from investments so you can draw without touching principal. Convert to ROTH while you're working and already paying high tax rate. Be aware of your RMD dates. Things we learned...

9:07pm on 5/30/26 by Magicalday2011

Good info!

9:23pm on 5/30/26 by Pixie_Dusted

Sfl

10:31pm on 5/30/26 by vmorrison63

SFL

10:51pm on 5/30/26 by gopackgo

@popup, same! Life is so much easier debt free!

1:48am on 5/31/26 by Rhondak0000

Agreed @rhonda & @popup. Thought my DH was obsessive about saving when I was more Dave Ramsey. but I have to say it was a terrific balance. Pd off 2 in college at same time, no parent loans, international trips and 2027 will again be 8 weeks in FL/WDW!

6:17am on 5/31/26 by Magicalday2011

@snelvis that's so sad. It's hard to find the right balance. The book suggests giving money to your kids when they are young adults and most need it/can fully enjoy experiences rather than via a will. I'm counting college tuition in that bucket.

6:39am on 5/31/26 by KangaLilo4

Career higher ed guy stopping by here to add some thoughts. I spent 25+ working in financial aid and 6 serving as chief enrollment officer. In that context, I offer the following: Yes - DVC will count as an asset on the FAFSA...

6:47am on 5/31/26 by shockbl

...Generally any real estate beyond the main home will be reported. All assets of the parents are reported but only about 6% of the value will be counted in the aid calculation.

6:49am on 5/31/26 by shockbl

Second - there has never been a better time to send your kid to college! Schools are hungry for enrollment and are heavily discounting the sticker price. This is due to falling demographics of high school grads coupled with ....

6:51am on 5/31/26 by shockbl

...an unbelievable perception by the public that college may no longer be worth it. (By any data measure it still is). Ivies and large schools are not as hungry but every other college is. Negotiate on the scholarship package your kid receives.

6:53am on 5/31/26 by shockbl

Third - beware of the Ivies strategy to grow applications. I think they will email almost any kid with a high test score encouraging them to apply. (Junior and Senior parents you will hear this from other parents - "Yale invited my kid to apply!"

6:56am on 5/31/26 by shockbl

...the problem is that they did that to 300,000 other kids as well. A higher number of applicants means they can drop their acceptance rate. It's a game of prestige.

6:57am on 5/31/26 by shockbl

Last, for day to day financial planning that will boost your retirement savings, I cannot say enough about You Need A Budget software. (YNAB.com). A simple, effective way to create a monthly budget and track spending. Great phone apps, too!

6:59am on 5/31/26 by shockbl

As for our retirement planning, we told our planner that we want elevate our experiences with our family while we can. So, after giving, saving, our third highest category is travel. Our philosophy is that you can't take it you, and generally, ....

7:01am on 5/31/26 by shockbl

Intergenerational wealth often isnt all that successful, as most money is burned by the first generation it passes to. Great topic on the thread here!

7:02am on 5/31/26 by shockbl

Yep intergenerationsl wealth unless one is the top .01% is gone quick.

7:36am on 5/31/26 by snelvis

I love this topic! DH never never wants to talk money or financial strategy. LOL. I have also followed Dave Ramsey for many years; however, I have recently found Ramit Sethi and I love his weekly podcast video on YouTube.

11:32am on 5/31/26 by DEmouseFan

Ramit Sethi also has a free investment calculator that I use to run projections on increasing or decreasing monthly contributions. We are cash flowing tuition for our youngest at an in-state school and it feels very expensive compared to older girls.

11:33am on 5/31/26 by DEmouseFan

I'll add in a vote on Jean Chatzky and Dave Ramsey Altho I read them I don't listen to them. I listen to fun stuff lol. I find the Ramsey budgeting app really easy to use. My son uses the ynab budget. Hopefully that teaches him something because he is not

12:18pm on 5/31/26 by evamarie320

a saver despite growing up in a household that put savings first. Sigh.

12:18pm on 5/31/26 by evamarie320

Wow, love the additional insight! Thank you! I may have to bug @JJT offline about this Boldin application though! Super detailed but so much financial stuff and fluff i dont know much about yet. Also i didnt realize Medicare would cost this much?!?

1:06pm on 5/31/26 by Totsypooh

But the key question - how much time is enough at Disney to project out how much to budget in the model for the coming decades...

1:09pm on 5/31/26 by Totsypooh

@Totsy There IS a lot of stuff to play around with in Boldin. Ask away, any time. :) Medicare does add up, but still a better deal than many other insurance plans. If planning Roth conversions later, need to be aware of extra Medicare IRMAA kicking in.

9:02pm on 5/31/26 by JJT (staff)

@JJT I may take you up on that and DM you to sense check what Ive set up. In the meantime Ive found the AI helper actually really helpful! Barring huge mistakes, The model has already told me roughly what i wanted to know. Beyond the first setup, do you

9:12pm on 5/31/26 by Totsypooh

Use it on an ongoing basis? Like how often to do you come back and make adjustments, etc? Do you come back and reflect actual income, spend etc at the end of each year?

9:13pm on 5/31/26 by Totsypooh

I have really enjoyed setting up different scenarios and seeing the impact in the long run. Somehow the "less Disney and less ski" one makes a whole lotta sense $$$ wise but doesnt quite spark joy :P gotta get a side hustle going!

9:15pm on 5/31/26 by Totsypooh

Sfl

9:27pm on 5/31/26 by missWishes

Since I've been on the retirement runway awhile, I pretty much have our plan down, so these days I just tweak portfolio balances and play around with things like the Roth conversion explorer, which are still my biggest question mark. But, for the last...

10:21pm on 5/31/26 by JJT (staff)

..several years I did create various scenarios with different sized expenses and portfolio outcomes to look at what Boldin told me and have some Plan Bs in my pocket if something unusual happened in the market etc. At the same time I was also building..

10:24pm on 5/31/26 by JJT (staff)

Alright alright saving for a time when I'm feeling more fiscally responsible haha

10:28pm on 5/31/26 by trixiedust23

..a crazy spreadsheet, but I know neither my spreadsheet and Boldin are showing me the actual outcome: I think the value of each is seeing a directionality and possibilities, because no tool can tell you where you are going to be in 10-20-30 years.

10:29pm on 5/31/26 by JJT (staff)

Oh, yes, I find the AI in Boldin is pretty good. In the Boldin FB group and Reddit sub, there are people that have reported some weird stuff though, so definitely triple check things.

10:43pm on 5/31/26 by JJT (staff)

Oooh good tip. Love getting lost in Reddit threads. Thats my dilemma - im literally trying to model out when we can semi retire (DH wants to stop yesterday) and still meet our lifestyle goals/fund retirement. But who knows where we will be in 10 yrs.

12:08am by Totsypooh

I think the % chance of success metric is throwing me a bit. Its hard to make it go really high unless you set the parameters such that you leave a crazy amount behind when you die. :p

12:09am by Totsypooh

@Shock, I'm a YNAB'er also! It's a great tool!

2:01am by Rhondak0000

someone else mentioned about intergenerational wealth, I'm not going to give my kid that easy of a ride. I gave him a debt free engineering degree where he makes great money. He can earn his own generational wealth!

2:08am by Rhondak0000

Sfl!

2:22am by jkowens

I think the % success rate throws a lot of people: You don't really want to get as close to 100% as possible, the sweet spot is likely more around 80-90%. But, even a 70% success rate doesn't mean 30% of the time = failure & you're destitute:

8:46am by JJT (staff)

..It is more like there is a 30% chance that you will have to change your plan over time to meet your goals. I struggle with it too, but on the high side: I have a strong pension coming & I feel like that makes my chances artificially high. Of course,...

8:48am by JJT (staff)

..I ain't complaining. But, living in one of highest COL areas & I know costs aren't likely to slow down even as we spend less in, say 15-20 years. So that % success is a bit hard to judge.

8:52am by JJT (staff)

This long Kitces blog article does a good job of running down the realities of chance of success modeling: https://www.kitces.com/blog/monte-carlo-retirement-projection-probability-success-adjustment-minimum-odds/

9:10am by JJT (staff)

Love it! Will have a look. Yes once thing i have taken away from this is a more grounded feeling of our trajectory and knowing i have levers to pull to make adjustments down the line and what level of impact it will have. Who could have guess a lifetime

10:01am by Totsypooh

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Of disney family fun far outweighs the cost of 4 years of college. Lol. ;) @rhonda im with you on that. They get a solid foundation then off they go. If theres anything left when im done having fun then they can split the rest.

10:03am by Totsypooh

I am holding out hope that selling my 3d butterfly stereogram poster is what launches my retirement fund into the 4, maybe 5 digits.

10:49am by trishr.

I think we would say the same for DHs pokemon cards

1:25pm by Totsypooh

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