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  1. bernina

    The Intersection of FIRE and Disney

    Right now I'm aware of the social security we've earned to date and also the projections for our most likely retirement dates. I keep those in the back of my mind and include them as income when running projections on firecalc, cFIREsim, and the other tools. For our pensions, since both offer...
  2. bernina

    The Intersection of FIRE and Disney

    I've been trying not to actively look but it's impossible for me to avoid hearing market reports (I love Marketplace and Kai Ryssdal) or having friends and family discuss how their investments are performing. And while I don't love this phase, I know it's all built into the system so I'm...
  3. bernina

    The Intersection of FIRE and Disney

    This is an awesome accomplishment. Sometimes I think it takes nearly as much discipline to spend money (wisely) as to save it. Best of luck on that DVC contract. What resort?
  4. bernina

    The Intersection of FIRE and Disney

    DH and I have never been classified as HCE, maybe because we both work for fairly large corporations/organizations (big 3 auto for me, blue cross affiliate for him) and I'm guessing neither of our salaries are anywhere close to the top 20%. I know a few folks that work for smaller...
  5. bernina

    The Intersection of FIRE and Disney

    Thanks! In a nutshell I include an offsetting credit for the net amount I brought in from churning. Here's a snapshot of how I tally up our income/savings/expenses for the year. These are round numbers I threw together as an example using one income.
  6. bernina

    The Intersection of FIRE and Disney

    I've been working on my YE spreadsheet the last few days. Still waiting for a few final numbers, but it looks like our spending went up slightly while the money I brought in from credit card bonuses, etc. more than doubled. We were able to bring our savings rate up by more than 10% (around 60%...
  7. bernina

    The Genie Usage, Tips and Strategy ONLY Thread

    I vote for alien abduction. Good news is Haunted Mansion just popped back up!
  8. bernina

    The Genie Usage, Tips and Strategy ONLY Thread

    Thanks! I'm brand new to G+, is it a glitch or do rides run out of LL selections?
  9. bernina

    The Genie Usage, Tips and Strategy ONLY Thread

    At MK now with G+ and Splash and Haunted Mansion are MIA on the map and LL selections. Both rides were up when we walked by. Anyone else experiencing this?
  10. bernina

    The Intersection of FIRE and Disney

    You can. I set up the example I shared above to mimic a portfolio where you don't need to add additional savings once you hit some magic number (in this case it was $1m to safely support $80k annual spending for 40 or so years of retirement). Most folks will continue to add to savings until...
  11. bernina

    The Intersection of FIRE and Disney

    I like to play around with different scenarios and tools and I'm always conservative and leave social security off the table and way over inflate our spending. I figure if multiple tools are indicating a high probability of success, then I'm most likely ok. It doesn't mean the world can't flip...
  12. bernina

    The Intersection of FIRE and Disney

    Not original poster but I've played around with this scenario using cfiresim. You can plug in a future retirement date, and pick your plan end (I normally set to the year the younger spouse will be 100). To keep things simple you enter current portfolio and then projected annual spend which...
  13. bernina

    Fastpass return or replacement?

    I hear Michael's voice clearly in my head each time I see this.
  14. bernina

    Fastpass return or replacement?

    Jinx!! Clearly we think alike 😂
  15. bernina

    Fastpass return or replacement?

    I don't know the answer to this, but were Disneyland APs available immediately after the news release of the changes?
  16. bernina

    Remy Passholder Preview

    We only had AP vouchers when we registered for July reopening previews last year. No issues.
  17. bernina

    Remy Passholder Preview

    For AP previews for SWGE no hotel reservation was needed, right? Was open to local pass holders? Or was on-site required?
  18. bernina

    The Intersection of FIRE and Disney

    I don't have a lot of input on if the mix is too aggressive, just wanted to share something that made a lot of sense to me when I was asking about portfolio mix with a pension. In summary, having a pension that covers the majority of your living expenses both allows you to have a more...
  19. bernina

    AP Only Info Thread Reservation System /Extensions / Refunds

    I know to renew my gold DVC APs I need to go through member services. Will they let me pay with Disney gift cards? edited to add. Just did a chat with member services and they confirmed I can use up to 2 forms of payment for each renewal and that includes Disney gift cards.
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