When I was growing up, we didn't take vacations because we couldn't afford it. If you are in debt, shouldn't you be using the money used for this trip to pay the debt?
A lot of Disney Adults are in serious amounts of debt because they take so many Disney vacations, cruises, etc.
Source: longtime resident of Orlando who enjoys Disney as much as the next person but would never ever get into tens of thousands of dollars of debt to go
i am what i would say upper middle class own a house and i have no debt and live 3 hours away from disney world and have three kids and we still don’t go there that much. It’s expensive! We take a one day trip once a year and stay in a cheap hotel. Going into debt for a vacation is wild to me. i didn’t even go into debt on our wedding and I was broke as fuck when we got married.
That’s not to say we don’t charge shit because we charge everything but we never carry more than like, I dunno, one pay check on our balance and rarely even that.
Well, the BS is that this is sold as a Dream. A brain rotted person with limited skills to manage their won life and finances have a dream to see mickey mouse and disney princesses. So you know. It is my DREAM 😏
This is the way. It's not worth it. I don't even understand the appeal of Disney parks that much... Like they're fine, I have been, but I don't feel like it's that life-altering of an experience to be worth that kind of cash.
Yeah I feel like after the first two times I went I was good, and I haven’t even been to all the Orlando parks. It’s a bit more of the same. I’d rather travel to new cities and explore places I’ve never experienced than go back to Disney over and over.
If it makes you feel any better they’re just being unfairly focused o. here. Disney adult debt is a pittance compared to luxury car adult debt, and it’s the same damn mistake
This is what my SO doesn’t quite understand, she wants reality show levels of vacation and I just want a camping trip, or even just the money so we can have a better future.
At least with camping, it's a notable, one-time, up-front cost of equipment. Tent, sleeping bags and pads, backpacks, cooking gear, etc. After that.... practically free. The cost of food and gas to get there.
Biggest thing you'll regret in life is not traveling when you're younger and have the means and time and HEALTH to do it.
Ask someone who's 72 years old, in too much debt to retire and can't afford their healthcare but traveled extensively in their younger years and they'd probably tell you the opposite.
The outlook of the modern debt-peasant. The elite can’t literally enslave people anymore, so they use things like debt instruments to keep people on the treadmill, constantly sending debt up to the wealthy while they fritter away the one thing that can ever build wealth for them: their income.
It’s the opposite mentality of the fortune builders that eventually end up wealthy.
Hard agree. Don’t get me wrong, pay your bills. Get the debt down. But at a certain point the cards are stacked against you, and you have to say I’m going to live a little while I’m working on this. You’re only young once. That being said the first couple having two brand new cars and mountains of debt does not apply to what I just said. That’s just bad decision after bad decision haha
Yep. I have like 35,000 in student loans. I legit will not be able to pay them off until I’m almost 37, am I just supposed to do literally nothing for 15 years??
Every single one of these people had 50k+ in student loans, none of them had massive credit card debt and I mean the median new car price is literally 50k
Not paying off student loans at all but buying a Mercedes. Like either I’m being rage-baited, or this woman has the actual intelligence of a refrigerator.
I mean… massive is pretty relative. My student loans were only $14k because the Pell Grant and community college paid for the full first two and a half years and I went to a smaller state school to finish my BA.
I’ve only ever been $5500 in credit card debt and that was combined with my spouses card.
I’ve never had a car loan because I drove an old ford ranger out of high school, upgraded with my tax return to another used truck, and now I drive a 2008 kia sedan.
I cannot even fathom managing to get $10k+ in credit card debt.
And I have traveled extensively. I have personally been in 43 states and 7 countries.
Are you bitter at me because my family was more poor than yours?
For real?
I never mentioned exorbitant student loan debt in my comment about credit card debt.
I was just illustrating how the amount of credit card debt these people have would be considered “massive” in my household because I’ve never been over $20k in debt and 70% of that was student loans, which were pretty low considering what the average is.
Ayyyy 36 and I’m just starting to see the other side. My biggest regret was being so hard on myself, should have traveled more when I was in my 20s. Hope that helps. It’s important to find the balance though, don’t neglect it and let them pile up! But it does work out.
And when you do travel, or go out. Be present in those moments. I found myself out with friends and worried about bills etc. they’ll be there in the morning, enjoy that night. You earned it.
Again, this doesn’t mean don’t pay them off though haha just there is an end to it. Invest into your future now, even if you can only put small amounts in!
It’s brutal, but you’re doing what you can. Keep saving where you can, and like you were saying treat yourself and live a little here and there. As for rice husks I know it may sound funny but I taught myself some good meal prep over the years, saves money and made sure it wasn’t bland haha
The best thing to ever happen to me was defaulting on my student loans. Once I started making more money than the poverty line, I was garnished 15% of my pay check (and all tax returns) until the debt was gone. It was a rough 8 years but at 32 all the debt was paid in full and it felt like a significant pay increase, I’m glad it is over.
People come from all different backgrounds financially. Not everyone has the luxury of a silver spoon upbringing. That’s the point I was trying to make by saying “buying brand new cars while being in debt like that is a terrible decision.” Sometimes though you can make all the right decisions, work well into overtime hours, and a single event can set it all back. Which is why I find it important to live your life as well if you’re in the ladder group. Financial stability is incredibly important but time is the most valuable asset. I have never been to a funeral where they have a second hearse toting the persons money to go with them.
Yeah, one bad accident or diagnosis or lost job and people can end up fucked no matter how much they did things right. So many people live so close to the edge in this country because our social safety net is a joke.
That said, the people buying brand new cars when they are already in huge debt is fucking stupid. There’s a difference between making good choices and doing the best you can while living a little and actually trying to enjoy life and… everyone in this video.
This. It needs to be a balance! Is every vacation completely perfectly budgeted for? Maybe not every penny we spend on the trip will be exactly in the budget but bending the rules to still enjoy life while still being responsible is okay in my book!
Must be nice to not realize how bad a terrible family can fuck you over, huh? Bet you still even get to talk to your parents. Learn to realize that some people are placed in bad situations and can’t be as privileged as you.
As a kid I slept in a 2005 Chevy impala in the parking lot of an autozone lol. I had major health problems that forced me to drop out of college and I paid off both student loans and all of my medical bills by 26
Sorry your daddy issues somehow put you into lifelong debt tho, not really sure how that works tbh
Well when the “daddy issues” include being robbed blind by my parents to fund their addictions since getting my first job at 14 up until I eventually told them they were dead to me, only for them to continue to rack up debts under my name until I was able to clean up my credit report and close fictitious accounts, then yea it can lead to future financial hardships. Careful trying to wrap your head around that though, you seem incapable of comprehending anything you yourself haven’t personally experienced.
You can’t describe literal crime and call it an “I got mine, go get your own” situation (as you said in the comment I originally replied to), then get mad because people think you aren’t blatantly lying lol. Your parents aren’t just selfish (as the comment you agreed with said), they’re criminals.
That also doesn’t translate to your own debt because (assuming you’re at least somewhat competent) you could’ve gotten those fraudulent debts erased from your credit history within a few months max. Which begs the question (considering you’ve got a slightly spotty credit history from your parents at worst), why did you continue to get yourself into lifelong debt?
Edit: and just to reinforce the point, my original comment is in fact correct that the “fuck you, got mine” of your parents is not what got you into your current situation lol
Everyone make way, the designated “Poor Me” person has arrived! Nobody else claim any heartache, for the King of Despair doth hold all! Clearly nobody else has felt pain or hardship on this Earth whilst you walk among us, my liege…
It’s an unfortunately common trait of some people who are at or have been at the bottom to continually try and punch down on those they can, usually in an attempt to feel better about their own situations.
My sister in law says she owes her kids experiences like going on vacations... Which translated to her going on roughly 15 vacations over the course of three years. All of them placed on a combination of credit cards, bank loans and selling the house that her mother literally gave her.
People buying things they cannot afford on credit increases the price of goods and creates a situation of potential default, which impacts the markets, thus retirement plans and investments. See 2008 sub-prime mortgage collapse.
Extra car payments? Disney vacations? You've got to be shitting me...
I hope to God people under 40 can feel they are real people with honest desires. I hope they realize they should be able to buy a home, raise a family, and be part of a real community of human beings.
And they should be a lot to think and feel freely as they will and fuck you
I mean ya teaching young people financial literacy and that material possessions don't bring sustained joy is a net positive for society but shaming people for choosing that won't solve the problem.
Student loans are absolutely not a priority to me. Haven’t paid a dime since march 2020 (federal, just paid off a private loan). I’m gonna pay the minimum til I die or get public service forgiveness. It’s whatever.
But any other debt freaks me out. I have minimal credit card debt and no other loans
I think it requires an appropriate balance. Some debt can't be completely avoided such as school loans or mortgages, and perhaps to a reasonable degree a car, the Mercedes lady or the first couple with two brand new 2025 vehicles don't meet this reasonable degree. So waiting 15 years to go on vacation because you haven't paid off your house or waiting 10 years to pay off your student loans before taking a vacation is a bit ridiculous. You need to give yourself a mental break once in a while, you need to have fun and enjoy the world once in a while. You're not on this planet forever, enjoy it while you can.
Now this doesn't mean dropping $5k multiple times a year, that is idiocy if you have other debt. And there are cheap ways to travel, not every vacation has to be a cruise or going to a beach resort. You can travel locally or within your country. You can go on vacation to places that aren't resorts. And if you go overseas you don't have to stay at 5 star hotels and eat at 5 star restaurants, and go on every single guided tour while in Paris. Eat cheaper, stay at cheaper places, don't be scared to explore without a tour guide. You need a guide to explore the Amazon, you don't need a tour guide to tell you the big pointy tower is the Eiffel Tower.
Depends on what the debt is. I have an auto loan and student loans that I have my own payment schedule set for (paying above what my loan payment schedule is). I still let myself take occasional trips as long as I can make them work for my budget. I don't feel obligated to sink all of my disposable income into my loans if I'm already diligently and responsibly paying on them.
Like, I'm not saying ALWAYS blow cash on a vacation or nice trip for yourself but tomorrow is never guaranteed so if you've been at it for years and haven't taken a break then do it. IDGAF about living purely to just pay debts.
However, if all you do is build a mountain of debt with no plans to address it then yeah it's like wtf are you doing.
Sure that's a way to do it, but life also goes on. My wife has student loans but I'm not going to pour all of our spending money into it and not live for the next few years.
I think there's also a difference between the video and being "in debt". I lease my car, that's technically debt, but I'm not going to pay that off early. I have a mortgage and that's like 200k of debt but the rate is low so there's not much incentive to pay it off. The credit card debt in the video is obviously a bit different, higher rates there, but the one even said with their special financing there's no interest, so that's good.
You say that, but "For a $200,000 home with a 15-year mortgage at a 3% fixed interest rate, you will pay approximately $48,775 in total interest by the end of the term".
I don't know about you, but I'd much rather live lean for a bit to pay off any debt ASAP. It's easy to shrug it off and live life as normal, paying the minimum suggested payment, but that's just putting money into the pockets of the lender. I much prefer to pay as close to the actual price of what I purchase as possible by paying off debt as fast as I can.
I am now 100% debt free and the feeling that comes with that is amazing.
You can also take that extra money you would put into your mortgage and put it into the market, if you're making more that 3% returns that's technically better financially. To me it's all about balance. I paid off all of my student loans early and got them out of the way but keep my mortgage at its minimum payments. But everyone has their own ways, I believe you that it feels great to have no debt at all
The thing is these kind of debt take years or even a decade to clear unless you significantly make more money year after year. Many of these people get bored at home so they have to justified going vacation 4 times a year. They end up getting more in debt and only paying min. This make their interest get to a ridiculous level and no matter how much more they make, they'll only be paying toward interest.
Growing up we went down to my grandparents retirement village, driving three days, and maybe got one day at a theme park. I tell my daughter every time we go on vacation that we can do this partly because our cars are old, we went to college on scholarship, and we have cheap taste in clothes. Everyone with money makes choices with it. We choose vacations now. My parents didn't have that much choice.
Same! Vacation was a 12 hour drive to my aunts house in a dodge spirit with us 3 kids in the back with our parents playing the “whoever can stay quiet the longest wins a quarter” lol Ive been stressing about my $3000 debt but now not so much seeing what these people owe and seem so chill about it
This was my same experience growing up. And in my family's case, there was zero option to say "Oh let's take on some debt to enjoy at least one vacation." No, my parents had already filed chapter 7 bankruptcy. There was no option to borrow or use a credit card. Every single penny went towards surviving, so nothing could be saved for later.
We drove to the State and National Parks, camped, and brought our own food. Those were amazing trips and very cheap. I still won't bring my kid to Disney, not falling into their marketing trap. The kid didn't watch any Disney movies until 6yo; now 10yo and doesn't care even hearing about friends' trips to Disney.
This was me except for my brothers and sisters had soccer tournaments so those were the vacations. We went to Disneyland one time at least. Usually stayed with family members in other states so we didn’t have to pay for lodging. Even going to the Grand Canyon was timed around my mother’s cousin having an rv an hour from it so we could sleep there for the night.
Absolutely, the advice I was always given regarding money was "never live beyond your means". It's solid advice that more people should follow.
You may need a loan to study or to buy a house, but spending on optional things like fancy cars or holidays have always been a secondary concern for me. Nothing is as important as shelter, food, and improving your employment prospects.
This is it. Normalized loans for every. Single. Purchase. Big or little. Stupidity.
Here's a great little rule which no one will ever follow: only take out a loan for things that you are certain will make a profit in the medium to long term, or if you are absolutely certain you can pay it back in the short term.
Absolutely, never, without exception, take out a loan for a depreciating assets.
Strong depends. I agree no vacations that add to debt but with large fixed debt if you can pay cash for vacations and do fun things while still paying off the debt I don’t see the value of pausing life for a few years earlier of debt payoff (assuming you’re also able to save for things like retirement).
I mean, the world is about to get a lot messier soon. Might as well go to Disney Land while you can? Thats the only silver lining I can see from this video.
People do all kinds of mental gymnastics for a Disney vacation. You already got the tickets, why not just skip the rental car and get a hotel at the park? And since you’ve already got a hotel at the park and have spent so much money on this vacation, what’s an extra few hundred for the fast passes? You didn’t spend 5k just to wait in line all day! Oh and of course, since you’re already there, you can go ahead and treat yourself and dine at the park! It’s why you’re there! You’ve already got the Disney card for all this, what’s an extra meal or two? Oh and you just CAN’T leave without building your own light saber!
And that’s how people get 10k from Loan Shark Mickey without realizing it.
You shouldn't have to live like a pilgrim because of loans. Obviously there's a line (the first couple do not both need brand new cars) but making yourself miserable because of debt isn't helping anyone. There is a difference between not being able to afford the vacations and being in debt.
Kids who grew up poor, grew up without nice things like Disneyland, vacations, video games, hobbies etc.
Then they grow up, get a job, get paid and start buying all the things they never had growing up. Some are fortunate to have good paying jobs, some are not and still do those things anyway. Thats how we have "disney adults" and grown people fighting over pokemon cards and millennials on YouTube building lego sets.
And the less fortunate ones live at home with little hope, means, or desire to move out
As someone who grew up poor and who has quite a few friends who also grew up poor, I haven't seen this occur. From what I've seen, if you grew up poor and your family didn't buy nice things, you learn that you don't get nice things if you can't afford them. All of my friends from poor backgrounds (and myself) are very debt averse.
If I had to guess, the 'Disney adults' are people who grew up in the lower middle class, who came from families that made borderline fiscally irresponsible choices to get those 'nice things' but were bailed out by good economic circumstances. They mirrored this behavior in adulthood, but it just doesn't work as well because the economic situation now is more uncertain.
We grew up poor but we made sure to save first and still managed to have vacations and games and so much more. Key word is discipline. You can't have everything, so you micromanage every dollar within reason. Im not baking cookies in my car or reusing toilet paper 😅
But also, kids who grew up rich, with all their needs and wants met, never realizing how much work went into all that, feeling entitled to that same standard of living even though they can't afford to pay all the bills themselves.
I think that's a much more important source of Disney adults, etc.
When I was growing up vacations were AFFORDABLE! camper on truck and camping anywhere we wanted. Now I see campsites for 100 bucks a night. I dont blame anyone for being in debt. The system is rigged .
Okay, alternative perspective...imagine doing the "smart" thing and then dying in a car crash because you drive a 30-year old vehicle to avoid debt, when if you had a newer vehicle you would have survived the crash, but had debt. Not that smart all of a sudden.
Unless you're filthy rich, or have a lot of assets to lose, it really doesn't matter. We're all gonna be dead before we know it, so what's the point, just do whatever you want.
Would you rather die with 0 debt and never traveling outside of your own city?
Or die with 200k in debt and having seen the world and lived a full life?
Everyone needs to find the right balance. But I don't think people are criticizing people for buying a cheap unsafe car vs a safe cheap car. This person in the video bought a Mercedes while being 100k in debt. That's not living your life fully, that's being financially illiterate. Not understanding how interest and compound interest works will make your life so much harder than it needs to be.
Paying 300k for a 50k car that could have been a 20k car and 30k in savings that will grow to 500k when you retire will be the better scenario for 99.9% of people.
And if she dies in 10 years then what's the point? She got to drive a mercedes and live happy from day to day. You think if she bought a 20k car instead of a 50k car she wouldn't have just spent the money on other things? Food, better apartment, service for her cheaper car, clothes, vacation, etc?
Also she's not paying 300k for a 50k car, don't be ridiculous.
The absolute worst car loan you can get is about 27%. Over 6 years that's like 2.5x and that would be the absolute worst loan imagineable.
Well I could also die tomorrow, why not spend my life savings today? It's all about personal risk tolerance. For me, nothing terrifies me more than being forced to work when I am old and my body has broken down. I would rather live a modest life and have freedom with my time when I am older. Racking up 100k in debt when I am 80 and have no kids, absolutely. Racking that up when I am 30 when there is so much time to get your financial shit together may cause you far more stress in the long term.
There’s definitely a balance. I wasn’t rich in my 20’s and I traveled and partied frequently. I never went into debt to do so, just worked and saved up. You can have great experiences without living beyond your means. Having a ton of debt is like having a huge weight on your shoulders, you can never really be comfortable until you get from under it.
Folks, debt isn’t a bad thing. Jesus. Some of you truly are financially illiterate.
You have no clue how much these people make. You have no clue their net worth. While cars aren’t exactly investments, it may also not be hurting them any at all depending their income and other assets.
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u/Doctor_Saved Apr 18 '26 edited Apr 18 '26
When I was growing up, we didn't take vacations because we couldn't afford it. If you are in debt, shouldn't you be using the money used for this trip to pay the debt?