u/kcGirl_of_the_year

Okay, before you come at me, let me preface first. I saw a posting on a Facebook group for a Fat cruise. The lady had a disabled daughter that she wanted to take the cruise with, but also have vocal tics. The girl is wheelchair bound and just enjoys sitting on the deck and taking in the sights.

She also mentioned how the large cruiselines overwhelmed her daughter because of the number of people, noise and too much activity. So honestly, it would make sense for her to look into smaller, quieter cruiselines for her and her daughter. She asked if this "fat cruise" passengers would be welcoming and understanding towards her daughter. I

I was very disappointed in many (not all) of the responses. Most people said this would not be a good cruise for her, and said how should would disturb passengers in the restaurants and other places on the ship.

Do we really live in an age where people are put off by a disabled person with vocal tics?!?! We can't be disturbed by their disabilities on our vacations?!?! Really?!?! And, I'm just going to add that a surprising number of the dismissive comments seemed to come from the older (boomers) passengers, while the younger generational people that piped up seemed more receptive to her daughter's needs. Obviously that's not everyone in either generation, but the difference in tone was noticeable.

I'm just going to ask this since I have a fat cruise for next summer booked, I'm genuinely wondering about the culture onboard.

Do people on these cruises really feel that entitled since they're paying for a premium experience? I know assholes live everywhere, but is the asshole-to-nice-person ratio heavily skewed toward the entitled assholes on these cruises?

At the end of the day, no matter how much we paid for our cabins, we're still sharing a ship with other human beings. A premium vacation doesn't mean we're entitled to a perfectly controlled environment where nobody else's disability, child, personality, or mere existence ever inconveniences us. If that is the case, then rent a private yacht.

There's a huge difference between genuinely disruptive behavior and a disabled person simply existing in a shared space with symptoms they cannot control. I would hope that most people, regardless of what they paid for their vacation, can recognize that difference.

Update to Title: Should be "Flat Fee CFP or CPA"

My husband and I are 50 and looking to retire in about five years with a sizeable NW. We currently have an AUM financial advisor; however, I took a vast majority of the portfolio and started managing it myself about six years ago (way outperforming him). We left him a small portion only to have an excuse to have meetings with him and get his input on retirement. As we get closer to retirement it is very obvious to us that he doesn't deal with people who opt to FIRE. He knows nothing about ACA subsidies and he even flat out told us he didn't think we would be able to retire until 62 or later despite now having a NW north of $4M today (and yes, our yearly spending is low).

I am very much the CFO of our household, doing our taxes and finances for years, and I enjoy doing it. I'm currently reading "Tax Planning To and Through Early Retirement". My husband seems to think that we would benefit from either a flat fee CFP or CPA. I do see the benefits of a CPA as we need to get strategic about managing our MAGI, taxes and Roth conversions. My question for you all is, have you benefited more from a flat fee CFP or a CPA (or both) with this high of net worth? TIA

Hello,

I'm protesting taxes...again, and I need to find the sale price of recently sold unit near me. I assume only local realtors have this information?