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[music] Brought to you by the EveryDollar app. Start budgeting for free today. My question today is about spending a lot of money on a big trip for my family. Cool. Sounds fun. Yeah. Do you have a lot of money? [laughs] That's the question. I retired last year. And I feel like I'm doing pretty well. I guess the question is, if I don't have all the money saved, is it okay to take it out of retirement? We're going to Disney for my whole family. And it's like 20 people. And you're paying for the whole thing? I'd like to. Okay. It's for my retirement. And how much do you have in your nest egg? About 1.1 million. Okay. And so you're going to spend, what, $40,000, $50,000? Right. I think I'll have about $30,000 saved by the time we go. And we live on my pension, my husband, and I live on our pension and his social security. So I haven't taken any money out of there. And I don't have any debt. How old are you? Anything. 62. Yeah. I think you ought to do it. You do, even if it's a lot of money? Yeah, it is a lot of money. But you have a lot of money. You're a millionaire. I know, I just don't spend like that, and it's really hard to spend that. Well, that's how you got a million dollars. And I don't think you're going to do it again. And the reason I don't think you're going to do it. I don't think you're going to do this every year. This is probably a one-time hit. And by the way, you're 1.1 million. If it's invested in good growth stock mutual funds, it should make another $100,000 this year that you're not going to use because you live off your pension, right? Right. Right. So it'd be 1.2 million. And so you're spending some of your income. Okay. You're not actually spending out of the nest egg. Does that make sense? Right. Yeah. Well, I mean, it feels like if I'm taking it out of there. You are? I will end up taking it out of there. Some of it anyway. I mean, if you take $20,000 out and you save $30,000 and you spend $50,000. Yeah. That's a lot of people and a lot of Disney. But that's your choice. And you live like no one else so that later you can live and give like no one else. Here you are living and giving because you're having your family go. But it's something you get great joy out of watching all those little kiddos run around Mickey Land. That's right. That's right. I took the whole stinking bunch on a Disney cruise one time. Mm-hmm. The whole bunch, the whole fam family. Yeah. And they all loved it. I hated it. Yeah. But they loved it. Well, it's a one time thing. Yeah, I just, well, I was just, my job was to pay for it and be quiet and let them enjoy it and not run it with me being a grout. So I, but it was, you just grimy. Did you wear the Mickey ears? No, I would have forced that on. I'm just, I'm part of the Ramsey family. But that's, you know, it's, it's just not my gig. Okay. I'm sorry. But that's, it's a lot of small humans may or may not have bathed well trapped on one boat. Okay. That's all I'm saying. And so, yeah, including the ones we brought with us and so they're, they're no exception. But anyway, it was fun. They had a blast. We got great pictures with every freaking princess that ever was a princess or thought about being a princess and every character and Rachel Cruz was in heaven because Disney's her thingy. And so she probably instituted this whole thing and talked me into paying for it. I don't know. I promise you that. Have fun. Yeah, you know, have fun. It's what you've worked for. Go do it, enjoy it, and don't think a thing about spending too much money because it's not too much. That's right. You probably don't need to do this twice a month, but you're up, but if you do it once and you know, it's a big one time celebration, you're going to be in great shape. You've done a wonderful job handling money or millionaires. I'm so proud of you. Congratulations. This is why you've done all that stuff to get to do this with all the grandbabies and the great grandbabies or whatever it is that all these old people, all these people add up to be in your group there. Have a blast. Yeah, I was just going to say that I would stop thinking about how much you're spending because you've just walked through it with Dave. And this is a priceless memory. If you make it to a grand old age and we hope you do, this will be something that you will think about and reminisce about for a long time. And I don't think you can put a price tag on it. And I think this is a great decision. Go and have an absolute blast. Yeah, absolutely. Get a couple extra toys. It's why you do that. I pay you that pay extra for the front of the line passes or whatever the crap it is. What do you call that stuff? Fast pass? Is that what it is? I don't know. There's actually a couple of levels to that. There's a fast pass. Take the top level. Take the top level. If you're going to spend that kind of money, do not be inconvenienced by the other people that are there. Yeah. Nobody wants to stand in line for the log ride or whatever the thing is. You and I are the worst possible people to ask these questions. It's too bad our resident Disney expert, Rachel, is not there. We should have phoned her. We should have phoned her. Phone a friend. Yeah. Phone a friend. Create your free every dollar budget today, the simplest way to budget for your life.
