The Rachel Cruze Show - How to Have More Fun With Your Money in 2022

Episode Date: February 14, 2022

Can you really make money on TikTok? George Kamel is here with the answer! Also in this episode: Double your savings in a year and squeeze the most Disney fun into every dollar of your vacation budget. You’ll learn: How to Double Your Savings Account This Year How to Make Money on TikTok (with George Kamel) The Cheapest Way to Go to Disney World Helpful Resources: Ramsey Trusted How to Start a Lucrative Side Hustle Zander Insurance  Christian Healthcare Ministries Sponsors pay the producer of this show, The Lampo Group, LLC, advertising fees for mentioning their services or products during programming. Advertising fees are not based upon or otherwise tied to any product sale or business transacted between any consumer or sponsor. The following sponsors have paid for the programming you are viewing: Zander Insurance and Christian Healthcare Ministries. Learn more about your ad choices. Visit megaphone.fm/adchoices

One, I researched, a personal finance influencer, has over two million followers, and they make $10 to $38 a day from the Creator Fund. For those you doing that math at home, on the high end, that's barely over $1,000 a month, which is like a terrible part-time job. Yes. Hey, guys, welcome to this episode of the Rachel Cruise Show podcast. In this episode, we'll talk about how to have more fun with your money in 2022. You're going to hear a conversation I had with Ramsey personality,

George Camel on how to make money on, get ready for it, TikTok. Mm-hmm, that's right, yep. So is it worth getting a TikTok account as a second stream of income? Well, we'll talk about it. Then I'll go over the cheapest way to go to Disney World. Oh, if you've been wanting to go to Disney for a while now, we're going to break down on how you can save money each month for a year. It is possible, and we're going to talk about it.

But first, I want you to know how you can double your savings account this year. Take a listen. If you've been following along any point of time, you know that I love to spend money. I am. I'm a natural spender, but listen, if you spend all your money, you're going to be broke. So us spenders, we have to learn to save money. So even though most of my heart is towards spending money and I enjoy that, there's also a part of my heart that I love to save money. And a lot of people think, well, I'll save money, you know, when life is good and life's not so crazy. Listen, it's never going to happen. Okay? So if you want to save money, you have to start now. Even if you're a spender out there, you have to save money. So here are a few

ways that you can actually double your savings account this year. Number one, sell unused gift cards on raise. So raise is a gift card marketplace app. And and it's free to list your card, and if someone purchases it, then you get a 15% commission on the site. And you can sell cards with a partial balance, but if you have a physical gift card, it has to have at least $10 on it. Next, stop eating out anywhere.

Brew your own coffee, pack a lunch, cook at home. I'm telling you one month of doing this could literally save you hundreds of dollars. Like, we do not factor in how much, we spend out on food. And if you just cut it out, it's amazing how much money you can save. Also, unsubscribe from emails. So this is an interesting one. Email marketers, they're really good at what they do. They know what to send you and what to have in your inbox where you think, that sales going on? Okay. That new thing is out? Okay. You never would have known any of that was

happening if you didn't get the email, right? So go and unsubscribe from all of you. of your emails. Trust me, you're not going to miss anything. If you really need to buy something, go on the site and there's not a sale going out of that time, you can just Google for coupons, okay? Like, that happens all the time. It's going to be okay, but unsubscribe from those emails.

Also, cancel subscription services. So this is so popular these days because a convenience, it's even cost-effective to do subscriptions versus other options out there, but a lot of subscriptions can go unused. So these subscriptions I'm talking about are things like clothing boxes that show up on your front porch and they're really fun. They have clothing items or even some like beauty products, but if you're not using it, cancel it. Also, subscriptions on Amazon that auto ship each month.

So look to see, okay, are things coming to my house automatically that I'm paying for that I really don't need? Also, look at your streaming services. So Disney Plus and Netflix. Are there things out there that maybe you got for a TV show? look kind of for us. We did Apple TV for Ted Lasso and The Morning Show. So good. But once we are finished, it's like, we don't use it anymore. So it's just unsubscribe. And then if something else comes up, you can always subscribe again. But if you're not using it that month, unsubscribe. Also look at your online memberships. So these are really easy to lose track of. And these are

some memberships you may not even realize that you have. Yahu Finance found that a third of Americans were paying for a subscription service without even knowing it. So if you sign up for something, mark it on your calendar and cancel the subscription before they auto renew. And make sure your subscriptions are in your budget. Check the prices every few months. Make sure it's not going crazy. Now, services are required to notify you if they raise their prices. But again, if they email you, sometimes I can just go unnoticed. So cutting back on subscriptions really are a great way to save money. You can even try True Bill.

So this is a free app that will scan your bank accounts and look for reoccurring payments. And it really helps you cancel services and subscriptions that you no longer use. It's great. Next, take advantage of your retirement savings plan. So if your employer offers a 401k match, take advantage of it.

Talk to your HR department, set up an account. But remember, don't invest in retirement until you are completely debt-free and have a fully funded emergency fund three to six months of expenses. Once all that concentrated money is going to those steps, you're done with that, then you want to start investing into retirement

and up that savings. Next, try a staycation. So if your goal is to save money, skipping vacation is a great way to do it. It hurts my heart to say it because I love a great vacation. Listen, if you've got to save money, this will save you hundreds or even thousands of dollars.

Just explore your own city. dive into a good book, camp out in your backyard. The average travel budget is around $223 per person a day. So a staycation again will save you a lot. Check your insurance rates. People save, on average, $700 when they have an endorsed local provider, an ELP, to check their insurance rates. $700. So not only that, but our ELPs will take the time to help you find the right coverage for your situation, which is why, they are Ramsey trusted. You can also save by switching from Whole Life Insurance to Term Life Insurance. Maybe asking, okay, what's the difference? Well, Whole Life is really expensive, far, far more expensive.

And it really tries to do two financial jobs at once, insurance and investing, but doesn't do either thing really well. And it also delays or even stops you from ever becoming self-insured. a huge amount of your cash value in the policy can disappear if you die without cashing it out, which is crazy, but it's true. But term life insurance, way more affordable. It gives you the option to invest however you want, instead of locking up your cash into a very low return investment.

It allows you to move towards becoming self-insured. And I want you to get a term life insurance policy today, and I want you to get the best rate possible. So check out my friends at Zander Insurance who make it super easy for you. You just plug in your information online and Zander will shop around and find you the best rate and coverage for your family.

So go to zander.com to get your free quote today. Yes, free quotes. Remember, we're keeping expenses down so we can save money. Next, DIY everything. So the cost of materials and just a Google or YouTube search can save you a ton of money.

borrow tools from a friend or a neighbor instead of buying them. And if you have skills that you can barter with, that's awesome because you can grab a friend who knows how to drywall or paint and make a great deal. Also, you can refinance your mortgage. So run the numbers to see if refinancing will actually save you money depending on how long you're probably going to be in the home, if you're going to sell, all of that.

But when you look at it and you can refinance, then you can actually get more money back to you in your pocket every month. or if you're through baby steps one through three, then you can actually take that extra money and throw more at your mortgage and pay it off sooner. Also, get a side hustle. This will bring in some money that you can save. There are so many service jobs out there that are available

and an extra eight hours a week, minimum wage conservatively, is $325. And even more casual jobs like babysitting or dog walking often pay more than minimum wage. So check out a recent video about how to start a side-house. I'll drop that link in the show notes. So as you can see, there are a lot of ways to save money, but it takes you being intentional,

having some determination, maybe even a little creativity, but it is amazing when you just can tighten up a few areas of your life to be like, wow, we actually can bring in more money than we realized it is a powerful thing. And we're going to dive into a really serious end-debt. So serious. Like, it's just going to be really,

heavy, okay? TikTok. That's right. We're going to talk about TikTok on today's episode. So TikTok ranks as the seventh most used social media platform worldwide. And it has 689 million active users as of January of 2021. There are over 100 million users here in the U.S. So I thought, of course, George Camel, Rams personality.

I love the TikTok. The cool guy. Come talk about the TikTok. Literally no one has ever called me the cool. guy, so thank you. You are so much. It's the opposite of high school already. You are hip, George,

young and youthful compared to me. Thank you. We're like almost the same age. Are we? Yeah. When were you for? You're an old soul. I'm an 89.

Oh, you're close. We're close. Okay. There you go. We won't reveal Rachel's age. I know. It's a theme on the show. Dave almost did, and I would have been okay with it,

but now I'm going to keep it a secret. You can probably Wikipedia. It's fine. Okay. George, the TikTok. Yes. It's a thing. I mean, it's a big deal.

And people are concerned. consuming the content, they're also making a lot of money from TikTok, a lot of money. And people think this could be a side hustle, right? Like, we're seeing this all the time that people make money off of social media, but specifically TikTok. It's so fascinating. Well, you know, for a lot of people, it sounds more fun than, you know, like getting a real job. It's like, well, if I can just make TikTok, I mean, that would be, that's a great job. But it's a lot of work.

People underestimate how much work it really is to run one of these accounts and really, you You got to pull your life into this thing. Yeah, it's like a part, yeah. And it's funny because I've heard a, gosh, it was a study or something. I don't have the quotes, so don't. Just make it up. I'm not sure. I'm not going to make it up.

But a high percentage of middle schoolers, their dream careers are like influencers. Oh, yeah. They want to be YouTubers and TikTokers. Yes, this is like a thing, y'all. Okay, so like it is. And, again, people are making money. So we both did some digging. And for anyone out there who doesn't really even know what TikTok is,

let's give them a quick preview of what the platform is. Okay. Quick videos. You go. You're cooler. Go. I'm cooler. There we go.

So all it is, it's a social media platform for short videos, and these videos can be anywhere from five seconds up to three minutes long. And what's really cool about TikTok is you can use this massive music library and trending sounds that you can weave into your videos to really make them pop. So it's not just you on your own. There's kind of this community and it's all very shareable. So I can take your sound to make my own video with it. And I can duet your video and tag it.

And so there's a lot of cool things you can do with this. And what's cool about TikTok has an algorithm that serves you up content that it knows you will love. And it's amazing how well it works. So what you like, what you don't like, which videos you're going to watch all the way through. And it uses that information to create this for you page, which is basically the algorithm serving you up

all of the best content on a silver platter. Okay, so Instagram is like my thing, right? And I've started doing reels because I think they're really funny. I'm enjoying them. Not mine. They've seen them. They love them. Yes.

Well, I'm not saying mine are funny. I just think reels are funny. And I've not done TikTok yet. I've not downloaded the app. I just haven't gone there yet. You've got your toe in the water if you're already doing reels. I know. So that's my question is what's the difference?

Well, Instagram Reels, you know, it's a safe space for you right now. TikTok, it's a whole other world, but it's similar. Instagram Reels stole TikTok's style. They stole the idea, obviously, because they saw it was working. Yeah, for sure. So TikTok is the old. It does it better. I'm just going to put it out there.

But I do really enjoy reels. Okay. The real creators, they're definitely on TikTok, and they may be repurposing their videos for reels. I have seen that too. Yes. Okay. So I can just speak to Instagram Reels,

but I think I love seeing some content. I like seeing, but I also like the funny ones, just like the random funny. Humor. Yeah. Yes. We are big on short form,

comedic, humorous videos. Everyone loves that, right? We love animal videos that are funny. We love the overdubs like you do. You know, I like a mix. I like the humor, but I like it mixed in with some personal development type stuff, some business content, marketing content, food content, you name it. I love cocktail tutorials.

There's all kinds of things the algorithm serves me up. And it's just like bite-sized squirrel brain one minute into another minute of this, another minute of this. And you can go for hours. It is dangerous. It's like a black hole. Yes. Okay.

So again, people are making money off this. So here are the three main ways that they are. So they are marketing their business and attracting. new clients. So you can actually use videos on TikTok to drive traffic to your website, your email list, your YouTube channel, you can take other places. And the bigger you're following, the bigger potential for new clients, bringing it in. Yeah. So a lot of, you know, fields that are out there, like if you're a designer and you're doing videos about how you design, well, you could probably land some great design gigs and consulting gigs just through your TikTok account.

And if you're seeing it, yeah. If you're a personal finance influencer, we see this a lot. A lot of them give terrible advice, so please tread lightly. But, they may be giving you a bunch of financial tips and they say hey i've got a course on investing that you should go by yeah and so it's a great way to really market everything you're doing because the algorithm is going to show you all of these new people who might be interested in what you're doing so it's a great way to get new people in the door i love it also you can find sponsorships so you can review or promote products that you love and people that really say okay i trust you then companies will say gosh they're having a big following i'm going to give them my product

to review and to use, and that company will pay for it. Yeah. Which is pretty awesome. And if you've got enough followers, that company wants the exposure. Just like if you had a show that was really popular, advertisers will pay you for that. So let's say, you know, I love my Warby Parker glasses. And Warby Parker reaches out and they say, hey, we'd love to work with you. And I go, cool, I've got a million followers.

And they go, all right, we'll pay you $500 to post about our glasses in your own fun way. Yeah. That's one way that TikTok creators can make some money. But those are few and far between. You can't, you know, no one's landing 50 sponsorships a month. Totally. So these are few and far between. This is not the main way, but it can be a huge way.

We see this with the Kardashians. I know you're a big Kardashians fan, right? I do love the Kardashians. They can do a single post and get paid a million dollars for that. It's insane. That's not the average person. You can't just go become a Kardashian. How great would that be, though, George?

It's my life's dream. If you could just post something and someone's like, I'll pay you a million dollars to wear this shirt. Because those fans are going to go, oh my gosh, Kim Kardashian told me to go buy these. I have to go buy the shirt. I have to buy the makeup. Yeah, I mean, it's...

It's a wild world. It's a wild world. But you've done this. Have you not bought something because an influencer made a video about it? Oh, gosh, we can't even get into it. I'm just saying... Probably half of what I'm wearing right now.

It works. I know, it's terrible. But you do. You stay and you're like, I love it. Okay. You can also tap into TikTok's creator funds. So you have to be 18 or older, and you can apply for this.

If you have at least 10,000 followers and received a hundred, thousand video views in the last 30 days and then a few other qualifications. Yeah. So how much do they make? We're not real sure. The ranges are hilarious. It could be like $5 to $10.

It could be a lot more than that. Just plan on it being the smaller end of it. On the lower end of it. Yeah, one I researched, a personal finance influencer has over two million followers and they make $10 to $38 a day from the creator fund. For those you're doing that math at home, on the high end, that's barely over $1,000 a month, which is like a terrible part-time job. Yes.

For all of the work you did to build this. Totally. Two million followers. Yep. So if you have 4,000 followers, it's going to be pennies. A little bit. A lot of people call it coffee money. Oh, yeah.

It's enough to go get your, you know, you get your latte. Man, there's a lot of being on your phone. Yep. But TikTok, this is the world, guys. This is the world. So you're not going to obviously become a TikTok star overnight. No. It doesn't just happen.

And people, though, are really, serious about supplementing their income, and they're thinking, okay, I want to. So how do I build a following? So there's a couple ways to do this. I know one of them is define your target audience and get to know them well. And that's on any social media platform. Know who your audience is and know what they want. Yeah. And another part of this is creating lots of content. So you need to have not only consistency, but you have to have quality too. So if you're not making content more than, you know, once a month, you're not really going to gain any traction. TikTok wants to reward you for creating more and more.

You've got to keep feeding the beast, Rachel, right? But if I know, right, that people are into personal finance that are watching this, well, I'm going to go make a lot of content around personal finance that's bite size, teaching people some different things about money. And so I know my audience, Gen Z and millennials who want to learn more about money. Great. Now I've got to make content every single week that serves them really well. Yep.

That causes them to engage so that one day I can build up that following and eventually make some money. This is a long play. This is not an overnight thing. It's a lot. And there's even, like, challenges that you can participate in. Yes. I don't know about this.

You got to keep up with the trends, Rachel. And so there's always new trends and challenges, and if you can capitalize on those. Give us an example of, like, one or two. Okay. Let's see. Some of them involve physical movements, but, you know, another one that was trending lately.

One that was trending lately was the, I have to go on a walk for my dumb mental health. Like, I got to go on a dumb walk. That was on the real. And so, yeah, people are marching with a frowny face on. doing it out of spite. And so that's an easy one that's kind of a challenge. And you can make the caption or whatever you want.

Doing a budget for my stupid financial freedom. And, you know, you're marching along. So there's a lot of ways you can make it your own for your own field of what you're talking about. But taking advantage of something like that, the algorithm is going to see that and show it to more and more people, which will get you more engagement hopefully. Yes. Okay. Some other quick things, you guys, you know, take advantage of some of the trending music or sounds.

Hashtags. Yes. You can use the promote tool, but that costs money. Remember that? Yeah, probably don't do that unless you're, like, crushing it. Like, unless you already have a big following, but the promote tool is basically you're giving money to TikTok and saying, hey, can you show this to some more people?

But really, if you're creating great content consistently, you shouldn't have to spend money on promotion. So are we going to be old TikTokers? Here's the thing, Rachel. You are, though, George. I'm trying, but it's a full-time job. It really, if you're going to do it right. Now, some people are just naturally gifted,

and they can just, like, you could just create them out of thin air. goal for my reels, which is the closest I can relate to this whole subject. If I can't do it in 10 minutes, I'm done. Wow. It's going to take longer than that. Because editing and the captions and you're bringing in visuals. But I do some of all of that in my reels. No, I don't bring in visuals. Yeah.

Well, here's the thing. If you're doing it where you're matching other audio, you can get that done. Yeah. You're not having to worry about the audio as much. Oh, I hear you. So there's a lot more that gets involved. Basically, do it for fun and do it because you love the type of content you're making, but if you're doing it because you need the money, go get another

job for now and do it on the side. I don't want to dissuade people from getting into TikTok because it really is fun. Sure. But if you're getting into it with this mindset of, I'm going to make some cash off of this. No, I don't want to watch your content. I want to watch it because you're passionate about money. You're passionate about food and recipes and helping me eat healthy on a budget. Great. But don't do it because you want to make a quick $10. So good. Well, I guess I'm going to go sign up for TikTok, you know? Who wants to see Rachel on TikTok? You're motivating me.

Let us know in the comments if you want Rachel on TikTok, and I will personally make it happen. George, thanks for you in here. You really pulled your weight in this show. Thank you. Really helping an old, an old gal out. Give it a week. You're going to be addicted to TikTok.

I don't know. I don't know if I want it on my phone. We'll see. You're right. I get it. All right. Another conspiracy theory for another day. All right.

Today we're going to talk about two things that I happen to love a lot. Disney and San Diego. saving money. That's right. Oh, I love the idea of going to Disney World, but you can save some money while you're planning and when you're actually there. So that's what we're going to dive into, because any tips and tricks I love. So here's one that's not money related, but I hope you appreciate it, is to change your shoes halfway through the day. I brought an extra pair of shoes for all of us in the backpack that we left in a stroller. We do these all day live events with Ramsey Solutions, we learn to switch our shoes halfway through the day

and your feet don't hurt as much. So I took that tip to Disney World and now I'm giving it to you. So you're welcome, you're welcome. All right, if you are on baby steps, one, two, or three, Disney may have to wait for now, for now. But listen, just put on some Disney music,

dance around your house, budget, all the things that will motivate you to say, no, we can save up. Once we are on baby steps, four, five, and six, then we can go. So for all of you on Baby Steps 4 through 7, here are some ways to save.

Spend part of your trip at the hotel pool or Disney Springs. So this is great because it saves you from buying a park ticket every single day. And especially if you're going for a couple of days, it's kind of nice to say, yeah, like we're going to just hang out at the pool. Next, skip the park hopper option

and visit one park per day. So the park hopper, is a minimum of $70 per ticket per day. So you'll save at least $70 a day, which is amazing. So being able to stay at one park, especially if you have small kids, it actually is a great way to do it. All right.

Next up is the controversial Jeannie Plus. So Jeannie Plus is an app. It has lots of different features, but what used to be just the fast pass lane and getting your fast passes on the Disney app, they've changed it. So now you actually have to pay for something. of that. But listen, if you're taking my last tip and you're spending one day at one park,

you may not need to buy Genie Plus because you have the day to stand in lines. But if you say, no, I want to, you know, park hop and I don't have a lot of time, so I want to go to different parks, then Jeannie Plus may help you skip some of those lines. So you have Jeannie Plus that you can pay for. You can skip some of the lines and do the whole new thing. But there's also lightning lanes. This is something that you can actually, well, pay even more for. So, well, Genie Plus costs $16 per day per ticket. Then you get, yeah, some great spots in the park when it comes to lines and all of that. But you also have a few rides per park that are the bigger rides.

So like Space Mountain, for example, that you have to book a separate individual lightning lane pass. And, well, if you do that, then you have access to two rides per day on that and prices vary per ride. So again, some places you can spend some money if you want to be skipping lines, maybe it's a great investment for you. But if you're going to be at one park per day, this may be a place to save money and skipping Jeannie Plus altogether. Next, buy at Disney gift cards at 5% discount at places like Costco Sam's Club Target. So you can use your red debit card and save money there buying Disney gift cards. So when you have the gift cards, it's so great. It's amazing. You get 5% off. It's wonderful.

Next is to ditch the dine-in plan. So Disney is known for all the fun food and the snacks and all of it. It's also great. But what's also great is that you can bring your own food. So you can bring your own snacks and sandwiches. You can even bring in a cooler and they have lockers that you can put the cooler up. You can fill up your water bottles for free at the park. So again, it's not the most glamorous options.

Sure. Would we love to go and spend all this money? on all the food at Disney, yes, but if you don't have all the money to spend for all the food, this is a great place to save. And if you skip the dine-in options, you guys, and you do quick service and you're not sitting down at a table being served, then naturally you're going to save more money. Those are typically more expensive restaurants, and you don't have to tip. So that's an extra 20% savings right there. Next, use PhotoPass photographers, but don't buy the package. So you can actually hand them your phone, ask politely, and they'll take your picture for free, which is great. Next, buy your Mickey Mouse

ears, your clothes, any toys, all of that ahead of time. So Amazon has a ton of stuff. If you go to Etsy, there's so many local artists that do really fun Disney T-shirts and all of that. You can buy it all before because when you get to the park, they can be very, very expensive. Next, pack your own medication and sunscreen, all of that. So being able to avoid buying all of that at the park will save you money. Because again, they just jack up the prices. So if you're someone like me, I get a migraine like four times a year. It's not a big deal, but when it happens, it's terrible.

And if I don't have my Accedron with me and like pop those pills within like 30 minutes, I'm down for the count. So I was okay, I want to have some of that, you know, in my bag just in case because if something happened and I needed it, I'm not paying like $50,000 for a thing of Tylenol and all or Exedrine there at Disney World. So thinking ahead and saying, hey, I can pack some stuff. so I don't have to buy it at the park. Now, what's also great, though, is at Disney.

They have first aid stations, so they'll actually give you Band-Aids and all of that for free, which is very nice. Next, use an authorized Disney ticket broker or planner. So this is a free service, and these are people that eat, breathe, love Disney with a major, major passion. So what's great is that this saves you so much time on the front end

is they're doing a lot of your planning. They're looking through all the details and all of that, so ultimately they're going to help save you money. Now, if you do go through a broker, don't forget that they'll add the 6.5% Florida state tax to your bill. So just factor that into your price so that you're not shocked. Also, plan early and start saving. So plan your travel dates. You can stretch out your budget if you need to to to figure out, okay, here's when we want to go. Here's how much we think it's going to cost. So how can we plan every single month and have the money? So when it gets to be that time, it's all saved up because you've been planning ahead of time and saving that money.

Okay, let's break down a couple of options when it comes to staying at Disney. So we're going to look at a low end and a mid-price point at Disney Resorts. Five-night stay, family of four. And these prices are for May of 2022, since again, you're going to be saving in advance and not going into debt. You're probably going to be looking at prices in 2023. But again, this is just giving you a good idea. Now, what's crazy is as I was looking at these prices, it's insane because normally you would say, hey, if you go off property and stay, it actually will be less expensive. But the wild thing is, you guys, some of these Disney World Value resorts are actually

less expensive than off property options in Orlando. Yep, because they're charging you now to use their pool for shuttles. I mean, all of it. There's so many add-ons now. So do your homework. Look off property to see, okay, is it cheaper or is it cheaper to stay at a Disney value resort? Because honestly, when I did my research, what's crazy is, yeah, it's actually cheaper to stay at Disney. So let's look at some options.

Disney's All-Star Sports Resorts is $145 a night. And this is a low-end price point. So let's say you have a three-day park ticket with Jeannie Plus, so we're going to be skipping the lines, two days off to spend at the pool or other attractions. Total four tickets and lodging is $2,478. And with the park hopper option, if you added that, just add another $300 to that. Next up is Animal Kingdom's Kadani Village. So this is a deluxe studio with Kitchenette, $546 a night.

This is a mid-price point option. and let's say you have a three-day park ticket with Jeannie Plus, two days off to spend at the pool or other free attractions. Total for tickets and lodging is $3,519. And if you want to add the park hopper, just add another $300 to that. And then when you think about, okay, what's all the other money you're going to spend? Well, let's say you spend $120 a day on food, because remember we packing some snacks and all of that.

So that'll be $600 all in for food for your truck. trip. So you buy a pair of mouse ears or four pairs. That's $40 off Amazon. Let's say you bought some apparel and some toys to have in the hotel room for your kids, all of that ahead of time. It's $175. You have the free at Disney Bus Transportation to and from the parks, $0. The shuttle to and from the airport, four people round trips, $136. So a total of $951, you'll be spending on extra stuff while you're there. So if you're saving in May of 2022 for a vacation of May in 2023, then let's look to see, okay, so you have your low-end lodging option with all the other stuff added together is $3,350. And if you save that over 12 months per month, you need to save $279. For the midpoint lodging

option and all the other stuff, that's $4,390. Divide that by 12 months. That means you need to be saving $366 a month. There you go. All the math you guys, and you're thinking, well, that's great, Rachel. But how do I get all this extra money to save? Well, you could pick up a side gig. You could pet sit, dog walk, babysits,

and I'll link a video to a recent episode that I did on starting a side hustle in the description. So check that out. You can brew your own coffee for $150 a month. You can skip eating out once a month for $100. You can buy store brand, at the grocery store, that's $60 a month in savings.

And between now and Disney, don't go anywhere else. Have a staycation if you want to. So cut random spending that you have and take all that extra money and you can put it towards your Disney World vacation. And ask yourself, how old are your kids? So there's no right or wrong answer here. But kids three and under are free, but they may not remember the trip.

Kids between three and 10 years old, they get a small discount on tickets. and the rumored sweet spot for kids ages is anywhere from six to ten years old. So you can save money without sacrificing your experience at Disney. And the best way to plan for your Disney vacation is to budget for it. So check out our free app every dollar to start working on your budget today so you can live happily ever after. I hope this helps you, you guys, because I think Disney, it's such a fun trip. All of you that hate Disney and think it's terrible is fine.

We can still be friends. But all of you that have this dream of like, I would love to take my kids one day. It is possible to do it. It's possible to do it with cash and to have a really great time. And again, not have like this miserable Disney experience. You can still have a great one.

But saving I'm paying cash, it's the way to go. Oh, Disney. It's just deep in my heart, you guys. Deep in my heart. Well, I want to thank George Camel for being on this episode. And I want to thank you guys so much for listening. If you have not subscribed to this podcast, make sure to hit the follow button.

And if the spirit leads, you can leave a review. As always, make sure to take control of your money and create a life you love.