Opinion: Spending is all about personal choices. We are middle income BUT we save for vacations and experiences. We do not eat out often and when we do we do not order drinks and desserts. We don't do fancy coffee and stop for this or that at fast food places. This may not be workable or desirable for others but it works for us. We use our dollars for vacations and experiences. We restrict spending on cars and clothing too. We realize we can't have it all so we work hard and live within our means and travel as we can. As a child a vacation was not even a topic of discussion. As a young adult I took very frugal short vacations here or there. Mid life the vacations became more frequent with plane flights involved yet still frugel. All kids are through college and all is paid for. Now vacations are frequent amd often involve spa time, extra special tours, and are longer in scope and duration. Still it is all about choices and how one chooses to spend. WDW is expensive. Before I was 49 I was at Disney a total of five days and felt lucky and blessed to have been able to go. We did not buy food onsite nor stay onsite. The last 10 years I have been at WDW at least once a year. We stay at GF or PR and have bought DVC. We appreciate and enjoy every moment.