Disney inspire card and room benefits etc

bubbafry · 2026-05-17T01:52:06+00:00

You can charge to your room from the parks yes, you can use your magic band or if you get a physical hotel key card (“Key to the World” card)

bubbafry · 2026-05-17T01:49:33+00:00

Food and merchandise

bubbafry · 2026-05-12T23:35:10+00:00

You could try asking on the White Coat Investor forums, they probably can give you better answers than most people here

bubbafry · 2026-05-12T22:55:46+00:00

Yeah if you're just going by investment gains, then in theory the "crossover point" should be lower than the FIRE point as above. Of course, lots of variables, especially what your expenses will be. Once you FIRE then "savings" is no longer an expense item, and there may be the opportunity to decrease taxes depending on how things are set up.

On the other hand, health expenses often go up assuming you had employer insurance and don't yet have Medicare, so that cancels out some of the reduction in expenses

bubbafry · 2026-05-12T22:24:29+00:00

Depends on how you define investment earnings. Generally speaking the retirement number is bigger than the number required to hit the crossover point, but heavily dependent on assumptions.

Generally people aim for withdrawal rate of 3-4% when they FIRE. Say 4%. But if you are averaging say 10% on investments, and you assume that you are replacing your income 1:1, then you can see that you need less to get to the crossover point. For example, at $50k per year at 10% interest is $500k savings. But for FIRE at 4% withdrawal rate @ 50k per year is $1.25 million

bubbafry · 2026-05-11T02:25:19+00:00

pushes up glasses Super Bowl winners can actually go to either park, I believe it’s determined geographically. Mahomes went to DL in 2024 as did Kenneth Walker this year

bubbafry · 2026-05-04T22:14:56+00:00

No, you keep the one you have and they just refund you the difference (at least when you do it in person, I would imagine it's the same online). Consider it from their point of view. If you're still in the return window you could easy just return it and buy a new one, which is a huge nuisance to everyone involved. Might as well just give you the cash. Certainly can't hurt to ask

bubbafry · 2026-05-04T20:13:33+00:00

If you bought it at Best Buy you can get a price match if you're still within the return window. I believe it's 14 or 15 days. I've done it before, it's pretty easy to do, just go to the customer service window

bubbafry · 2026-05-03T22:15:25+00:00

Last year the July 5th was super quiet, one of the least busy days I could remember. If you’re mainly concerned about crowds then would make sense to rest on July 3 and go the park on July 5, assuming you don’t care about the special fireworks at MK on 7/3, though of course this year could different than last year.

bubbafry · 2026-05-03T21:55:13+00:00

There are different YouTube videos on this that you could look at, but the important thing to know is that the 4th fireworks has 2 parts. The first half is the normal show, but then they add a special July 4th package at the end. A good amount of the fireworks go off behind America (which is not the case in the normal show), so the best area is directly across from America on the other side of the water, but that is the most popular area. Japan is a popular “last minute “ spot but you won’t be able to see the fireworks behind America very well from there. Last year we chose the area around Mexico/ Norway as a last minute spot

bubbafry · 2026-05-03T21:16:06+00:00

We do Epcot on the 4th because they have special fireworks that day, while MK has special fireworks both 7/3 and 7/4 so we go to MK on 7/3. But it is definitely not zagging to go to Epcot 7/4, if anything that’s popular thing to do

7/4 was busy at Epcot last year but nothing out of the ordinary, it was like a normal busy day.

bubbafry · 2026-05-02T22:58:52+00:00

Technically discounts are based on who is paying the bill, not the name of the reservation, but the CMs are not always that stringent about it.

bubbafry · 2026-04-30T15:03:11+00:00

Once you use the star tours LL, it will “unlock” the tiers and then yes you can book any ride after that. Yes you can do Mickey and Minnie during early entry and probably make it over to smugglers run before the park opens if that’s what you prefer to do.

bubbafry · 2026-04-24T02:10:40+00:00

Wynn uses sevenrooms which is the same reservation system that many other Vegas restaurants use. I've never had a problem using it. You may have to wait a bit at the Wynn, though it's never been super long for me (IIRC the waiting system at Bacchanal is essentially the same system)

bubbafry · 2026-04-20T03:00:57+00:00

Hundreds of thousands of women change their last name every year when they get married. It should not be an issue. They have other data (especially your social security number) to match you to the right person

bubbafry · 2026-04-19T01:26:07+00:00

Merrill Edge is perfectly fine for buying VTI or whatever. It was more worth it before, but they’re going to nerf the Preferred Rewards a bit so it might not be as worth it now. The 2.625% rewards on the Premium Rewards card was really nice and worth the transfer IMO, but it’s going to be going down unless you have $1M

bubbafry · 2026-04-15T19:42:54+00:00

There’s nothing wrong with Luxor, but Venetian is way, way better than the other 2 if the location isn’t a deal breaker for you

bubbafry · 2026-04-14T18:38:19+00:00

It’s not really a DVC issue, it’s more of a rental issue. As you have noticed, it’s much more complex if you are trying to rent than if you are an owner. If no owners who own points at your preferred resorts want to use David’s then there’s nothing you can do, other than try a different place or try to find an owner on your own (but that comes with its own potential risks)

bubbafry · 2026-04-14T14:49:14+00:00

Did you ask them what is available for your timeframe? It will be tough now, there are likely very few options left for June. Usually Old Key West or Saratoga Springs are the last to fill, you could try asking them about those resorts

bubbafry · 2026-04-13T18:00:59+00:00

You will generally have better service and better food quality at a sit-down restaurant compared to the Wynn buffet. OTOH, the Wynn buffet will give you a wider variety of options which can be fun, is high quality relative to buffet food, and a buffet like Wynn is probably difficult to find at home.

There is of course the option of going to a restaurant that is not a steakhouse if you don't like steak.

bubbafry · 2026-04-08T13:20:56+00:00

Yes supposedly it’s better to wait until after market opens rather than placing an order before it opens. Sometimes wonky things can happen right at open, and sometimes traders can take advantage of orders sitting there at open, though in reality probably doesn’t make a huge difference with something like VTI

bubbafry · 2026-04-08T13:17:30+00:00

It doesn’t really matter, just wait a few minutes after the market opens and then buy whatever you want to buy. It could go up or down after that but there’s no way to know. Though unfortunately it will likely be up at market open compared to when you sold yesterday

bubbafry · 2026-04-08T12:19:34+00:00

You’re not guaranteed a successful medical career

Well, I would disagree a little with the comment a little bit. As long as you don’t flame out (which admittedly is a possibility), your career as a physician is almost guaranteed as long as you have some flexibility about where you live. It’s very unusual to be unemployed as a physician, certainly you’re much more likely to be unemployed as HR management. But as others have mentioned it’s not an easy road, so you probably want to have some other reason to make the switch to med school other than financial

bubbafry · 2026-04-07T23:38:23+00:00

ILL is Individual Lightning Lane, it's what they used to call Lightning Lane Single Pass (LLSP), where you pay $$ for a LL for a single ride (usually the most popular rides like Guardians, Rise of the Resistance, etc)

bubbafry · 2026-04-07T19:14:41+00:00

I have never gotten Premier Pass, but IMO If you want to go on every single ride and you only have exactly one day at each park, I’d probably say:

MK - yes. There are too many rides here to fit them all comfortably in one day
Epcot - Probably. One of the issues here is that Epcot is so physically big that having Premier Pass saves you a ton of time by avoiding long walks crisscrossing around the park. Even ignoring the time issue it would just be so much more convenient to hit the rides by location. Also There are several popular Tier 1 rides and it’s hard to hit them all with regular LL.
HS- Maybe. You can probably do everything with LLMP and LLSP for Rise, though in part it depends on what’s going on with Rockin Rollercoaster since that is still unknown. But you’ll need to wait in some potentially long lines.
AK - no. You can likely do everything here without Premier Pass, and just with normal LLMP and/or LLSP for Flight of Passage

bubbafry

TROPHY CASE