Lines

You'll be able to join in the chat when you subscribe!

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

6:09am by TacMed

...view 3 more comments

80 and already feels like the finish line given this is our first trip in 4 years!

24 min ago by ExtraTerrorestrial

68! And working on a solo trip for January! 237!

21 min ago by Magicalday2011

38. Good morning! Have a great day everyone!

8 min ago by T07

Tried adding Jessie's Round Up to our custom MK touring plan for next Sunday but says it cannot be added. Suggestions?

9:48pm on 5/31/26 by ebcooper

I would use the "contact us" link on the homepage. It is new and they might have to look at it. It is listed and you tried on the website?

6:07am by PrincipalTinker

Yeah, that's where I usually create and tinker with our plans!! Thanks, I'll do that.

56 min ago by ebcooper

Does Epcot frequently reach capacity on July 4th? I see according to touring plans. Animal Kingdom has very low crowds expected that day (a 2) but we are staying at the beach club and would love to see the special July 4 Illuminations. Suggestions?

11:37am on 5/23/26 by tinkerbellrules

...view 6 more comments

Bumping for additional input. I know MK has fireworks July 3&4. Also the 5th?

6:17pm on 5/31/26 by tinkerbellrules

July 5 FW at MK is extra just this year, for America's 250th!

8:11pm on 5/31/26 by Jennyhirsch

I will be there for July 4 at Epcot and doing MK on the 5th :) .yes fireworks are extended for the 250 MK has 3,4 &5

5:55am by burfe1501

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

...view 3 more comments

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

Total pet peeve that so many people don't use basic etiquette when it comes to bus seats. Older folks should be given a seat if you are able-bodied and can stand. And young children can go in a lap rather than taking up a seat.

6:52pm on 5/30/26 by utang44

collapse thread

There was a guy who used to complain that his kid at end of night could not get a seat on the bus and he was falling asleep while standing up on the bus. He never saw that he was keeping his kid up too long. Many parents must get their dollar's worth.

7:29pm on 5/30/26 by JackOfAll

My spinal stenosis means that I literally cannot stand in one place for the length of a bus trip, so if the seats are full I have to wait for the next bus, because I can't count on anyone giving up their seat. It's uncommon.

7:32pm on 5/30/26 by Ali Ababwa

My mama has osteoporosis and is a tad unsteady on her feet, and on the last bus, the number of seated children was wild.

7:50pm on 5/30/26 by utang44

My wife makes fun of me because I often offer to give up my seat and have people turn me down. We are over 60 now, she elbows me and says you know they are younger than you, right.

7:54pm on 5/30/26 by Beautiesandtheb

@Beauties, we do the same and are in the over 60 group too. Though at times my DW isn't pleased with me because I have a chronic pain condition and offer my seat. I was raised to offer a seat to ladies and those who would benefit from sitting.

8:24pm on 5/30/26 by TacMed

Problem with this mindset is you can't make the distinction on who is "able bodied" from the outside. I'm a 30-something typical looking mom but with a cardiac condition, standing on a bus isn't simple for me. I extend the same unspoken grace to others.

8:41pm on 5/30/26 by LaurenInWonderland

I'm not saying I am the judge of that. I'm saying that it's common courtesy that if you are able-bodied you get your rear out of the seat for those who are not as able as you to stand. That's for people to judge for themselves and deal with the karma.

9:00pm on 5/30/26 by utang44

And small children can absolutely lap sit in nearly all cases.

9:02pm on 5/30/26 by utang44

Walking down aisle on Disney bus once-a 12-13 yr old boy quickly jumped up out of his seat and motioned for me to sit down. I told him thank you and mentioned to the adult with him how I appreciated his kindness, his adult also standing, proudly smiled.

9:33pm on 5/30/26 by Woof4Pluto

Unless the bus is empty, DH & I automatically stand out of the way. It is frustrating when a person is balancing a buggy & a baby & no one will give up a seat. We're already standing so we take the buggy, but you can't tell me not one person could stand

9:42pm on 5/30/26 by hauntedmansionnurse

The problem is people are entitled now. They don't teach people proper etiquette.

9:45pm on 5/30/26 by WorldTraveler34

Busses, man. My peeve is the throng of people loitering at the front of the bus when there is standing room at the rear. Come on, people!

10:11pm on 5/30/26 by joeyjojojuniorshabadoo

I also recently had 2 young men/teens offer DH and me their seats. Their folks raised them right.

11:39pm on 5/30/26 by beeptp

Maybe im an odd duck but I'll get up for older and younger. Like a frazzled mum or dad corraling tired children. I'll pop up so they can chill the littles out possibly...and safety

1:03am on 5/31/26 by melodicwords

You have no idea what is going on with/why the person needs to sit, someone with MS looks "fine" someone may have just gotten devastating news & is barely holding it together, hidden injury. If you need to sit-maybe wait for the next bus/uber/rent a car.

1:20am on 5/31/26 by irenek

I don't at all agree if you need to sit wait for the next bus. And potentially miss LL and dining plans? I'm a fan of going back to common courtesy. If you don't need to sit, offer your seat.

1:35am on 5/31/26 by Rhondak0000

Our recent trip had in-laws in their 80s w dmil using a cane & DH also w a cane. Pretty much every bus journey people offers all 3 of them seats. DH had to stand once but bus was genuinely too full for anyone to move for him.

3:11am on 5/31/26 by hodg

No, waiting for the next bus was not an option. Nor am I going to pay for a ride share when Disney transportation is part of what I pay in my resort cost. Common courtesy, it's a fabulous thing.

7:06am on 5/31/26 by utang44

And if you read my comments, @irene, instead of suggesting I wait for the next bus bc my mom can't sit, you'd see I am not saying I am staring into people and judging their health. I am saying it is highly probable many seated are able to stand.

7:10am on 5/31/26 by utang44

I'm perfectly able to stand BUT I am 5'1" and cannot hang on to those straps because I can't reach!! I'm only standing if I can grab a pole. I'm one of those people that can't give up a seat &needs to have one. Ugh. Sorry. agree @utang. Kid safely in laps

7:20am on 5/31/26 by Magicalday2011

I'll never forget when DD18 offered to hold a sleeping baby while a Mom & Dad loaded 3 more sleepy kids plus double stroller. They were so tired and overwhelmed, they just handed the baby over. DD was in heaven. LOL. Best bus ride ever!

7:55am on 5/31/26 by Jennyhirsch

Awwww what a sweet memory @Jenny! In my family our expectation is men and kids always offer their seat to any adult (for the kids) ladies (for the men). Ladies are expected to offer to tired looking kids, and adults older than us. If 100% of...

8:08am on 5/31/26 by popupcamper

(That sentence wasn't going to make sense so I'm starting again.) The men usually stand regardless if the bus is full, that way no one feels like they're putting them out.

8:11am on 5/31/26 by popupcamper

I don't have a problem standing on the monorail, but for the 6 months I was at Disney this year I never had to stand. I was blessed with courteous riders every single time! (Maybe I just look as old as I am?)

10:04am on 5/31/26 by snowdiz

My son (21) looks fine, but a health condition prevents him from standing. I let him sit, I stand, and people still give judgy evil eye looks. Makes him feel awful. You never know....

3:07pm on 5/31/26 by Buccofan1

Like I said, I am not judging individual people. I am saying that a large number of able-bodied people are seated on every bus, while people who should be sitting due to their age or health are forced to stand. It's a lack of common courtesy.

3:50pm on 5/31/26 by utang44

I have now said that many times in this thread. Hopefully it is now understood. It was a wide statement that able-bodied people, as identified by themselves with courtesy, should stand if needed. And tiny children should not take up a seat unless empty.

3:51pm on 5/31/26 by utang44

...view 27 more comments

Most people who look capable are capable. Babies sit in laps. Children should stand. People with canes (visible needs) should be seated. Preg=Goddess But I see the opposite at ADR's where kids are in the waiting seats because it is easier for parents.

10:00pm on 5/31/26 by JackOfAll

We never sit unless there are empty seats once loaded. I taught my kids from the age they could stand on a bus safely to give up their seats to those who need it more. Three of the four are grown and still do it.

10:34pm on 5/31/26 by PixieDustDiva

Totally agree with all of this. Also, would love bus etiquette to include filling up the back of the bus first. It seems like many go on the bus and sit in the very front. This can be an issue if they've got a bulky item we all now have to maneuver around

5:21am by Lindsey740

Any subtle Disney gift ideas for Father's Day? DH loves Toy Story and Disney and the parks but doesn't love the in your face merch. Any ideas or recommendations of places to look? TIA!

10:02pm on 5/31/26 by tlrg4488

https://a.co/d/0fbsIeIR

3:06am by Fatty McButterpants

189 days, a new decade! Good morning Liner friends!

5:52am on 5/31/26 by TacMed

...view 18 more comments

72 to DL. Hope everyone had a good weekend!

11:03pm on 5/31/26 by njhyndman

41!!

11:04pm on 5/31/26 by PixieDustDiva

108

2:32am by tiggertypooh

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

collapse thread

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

...view 111 more comments

@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

During Extra Evening Hours, are Lightning Lane reservations also used - or are Standby Lanes the only option then? Is the same true during After Hours special park events?

1:46am by 19WDW55D

Neither of those events have lighting lanes.

1:50am by Monorail2MK

This week has been a different trip to CSR and WDW. Dealing with vertigo has been a challenge, getting sick 1 night, recovering 2 days. But the CM's in club were so generous of heart, making lots of toast and sending ginger ale. Pg1

6:18pm on 5/30/26 by vmorrison63

collapse thread

Then minnie can friend from Dec made Cirque extra special! We met cast members, received gifts too. Tonight my DH is shadowing the sound guy for the show! A dream experience. The Magic is here, sometimes it finds you in a big way:)

6:21pm on 5/30/26 by vmorrison63

"Minnie Van" stupid phone.....

6:21pm on 5/30/26 by vmorrison63

Btw, if any of you suffer from Vertigo, I'd love to know your secrets for navigating WDW. It's been so hard...still my happy place tho:)

6:51pm on 5/30/26 by vmorrison63

Oh no @VM! I'm so sorry you're dealing with that. Both my momma and my daughter get vertigo but no advice. I don't think they could do WDW when they have it. DD can hardly walk.

6:56pm on 5/30/26 by popupcamper

Migraine preventative medication helped my mom, but that doesn't help you right now.

6:57pm on 5/30/26 by popupcamper

Sometimes the real Sudafed helps me alot. It takes a couple of hours to lessen. Also hot compress on my forehead. Hard to do in hotel rooms. Pour hot water from coffee machine onto washcloth maybe

9:15pm on 5/30/26 by Magicalday2011

Serc helps me. And interestingly a vertigo physio told me a fast, upside down or corkscrew coaster can help move the ear crystal that is causing problems. That has helped me when the serc didn't. Velocicoaster at UO worked well.

9:35pm on 5/30/26 by hauntedmansionnurse

I also get vertigo as part of my migraines and frovatriptan or Nurtec help then. I'm sorry you're dealing with that at WDW. It sucks!!!!!

9:37pm on 5/30/26 by hauntedmansionnurse

The only thing that helped my vertigo was the sea-sick pressure point bands. I was able to ride guardians with them on, but I still avoided most other spinning stuff.

9:40pm on 5/30/26 by moondance07

I hv the relief bands, the ear patch and bonine, and still had vertigo that never stopped. Terrible headaches, nausea .:/ I love it here but there's so many exhausting challenges...I will definitely try the roller coaster next time!

10:23pm on 5/30/26 by vmorrison63

...view 10 more comments

Ohhhhh @HM, I forgot about the rollercoasters! DH just told me that's a strategy NASCAR drivers use to fix theirs. I'm sure it has to do with the cause of that works or not. I get very short term vertigo with my migraines but it only lasts less than a hr.

7:57am on 5/31/26 by popupcamper

@VM, with my momma we are very careful about what she does which makes Disney such a great vacation spot for her. Mostly dark rides and shows. We stay away from 3D and even the new Remy.

8:04am on 5/31/26 by popupcamper

Two of my triggers is sight and motion. Hard not to look around while walking. Plus quick turns are awful. Life is hard, different and eventually, somehow, doable at WDW...I love learning tips and tricks from you all!!! And knowing I'm not alone.

10:35pm on 5/31/26 by vmorrison63

Subscribe to join in!

Chat Guidelines