With millions of visitors planning a trip to Disneyland Park in Southern California each year, you may be wondering, “Does Disneyland sell out?” Here’s what you need to know about Disneyland tickets, park reservations and what to do if Disneyland sells out.
Do Disneyland tickets sell out?
Though Disneyland tickets themselves don’t really sell out, reservations do — and you’ll need both to get into the park.
When Disneyland Park reopened its gates after the state’s shelter-in-place pandemic mandate was lifted, it introduced a reservation system. The new policy requires an advance reservation in addition to a valid ticket to get into the park, and there are a limited number of reservations available for each day.
All visitors are subject to this requirement, including Magic Key annual passholders. The reservation requirement applies to all Disneyland tickets, regardless of whether you buy one directly from Disneyland Resorts or a third-party vendor.
If reservations sell out for your preferred date, there’s not much you can do. Ultimately, buying a ticket doesn’t always guarantee you park entry.
Although Walt Disney World in Florida recently announced that reservations will no longer be required for park access with date-based tickets starting Jan. 9, 2024, Disneyland hasn’t made a similar announcement.
How Disneyland reservations work
So if you want to visit Disneyland, how do you secure a reservation?
The easiest way is to book your reservation at the same time you purchase your ticket, which you can do if you’re buying a date-based ticket. But if you’ve already purchased your ticket or have a Magic Key pass, you’ll need to make a reservation separately.
A good resource is the reservation availability calendar, which shows park availability for each day using icons that represent Disneyland and Disney California Adventure. A limited number of reservations are available for each park on any given day, and Disney doesn’t disclose exactly how many it releases.
However, you’ll know when Disneyland reservations are sold out because the date will be grayed out and there will be a slash through it.
Reservation availability may vary depending on your ticket type, your ticket’s blackout dates (if any) and other factors.
For date-based tickets, the reservation calendar is open up to 120 days in advance, with Magic Key holders able to make reservations up to 90 days in advance. Future dates become available on a rolling basis.
How to get Disneyland reservations when sold out
Currently, there’s no waitlist process for Disneyland reservations. If your preferred reservation date is sold out, you have a few options.
Choose an alternate reservation date. The simplest, but probably not the most ideal, option is choosing another date that’s available for your visit. If you need to change a date-based ticket, log into your My Disneyland account to modify your dates — just make sure you check reservation availability first.
Regularly check for updated availability. People sometimes cancel their reservations, freeing up spots for others, or Disneyland may release additional reservations on a specific day at its discretion. It’s worth checking reservation availability regularly to see if a spot becomes available.
Get a park hopper ticket. Those with a park hopper ticket or a Magic Key can make a reservation at one park and then jump to the other theme park after 11 a.m. If Disneyland Park is sold out but Disney California Adventure (DCA) isn’t, you can make a reservation for DCA and switch parks in the afternoon. Park hopping times may change, so double check on the day of your visit.
Alternative options if you can’t get into Disneyland
Learning that your desired Disneyland reservation date is sold out can be disappointing. However, if you happen to be visiting the area, there are still plenty of other ways to spend the day.
Best of all, these options are within about 30 minutes of Disneyland Park.
Downtown Disney District. Even if you’re not technically inside the park, Downtown Disney can add some magic to your day. The outdoor promenade is within walking distance of Disneyland proper, on the opposite side of the esplanade. It offers retail shops, restaurants, bars, live entertainment and Disney decor throughout.
Orange County Zoo. This 477-acre park features various exhibits of animals native to the area like the black bear, bald eagle and more. It also hosts multiple events throughout the week so visitors can learn more about the creatures.
Fullerton Arboretum. Located on the California State University Fullerton campus, the Fullerton Arboretum is a conservatory that showcases plants from around the world. Visitors can experience the entire collection across four different biomes, and the arboretum hosts special events throughout the year.
What to do if Disneyland tickets are sold out recapped
Disneyland tickets themselves don’t sell out often, but park reservations can fill up, leaving you without access to the park if you haven’t planned ahead.
The best way to ensure access to Disneyland is to make a reservation when buying your ticket, or as soon as you know when you’d like to visit.
If you’re unable to make a reservation, there are several alternatives you can try, including visiting on another day, buying a park hopper pass or checking out spots like the Downtown Disney District.
(Top photo courtesy of Disneyland Resort)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Visiting a theme park can be a great way to spend your vacation, especially if you’re interested in rides. This is certainly the case at the Universal Orlando Resort, where three theme parks feature a plethora of roller coasters and other thrilling attractions.
However, there’s more to Universal than just rides. The resort is also home to a variety of shows, including Harry Potter-themed storytelling, a Hawaiian Luau and animal actors. Here’s a look at the best shows at Universal Studios Orlando.
Does Universal Orlando do shows?
The Universal Orlando Resort is a large complex of hotels, theme parks, shopping and entertainment.
Among its many activities, you’ll find a number of shows and a 3,000-person auditorium where popular bands and comedians perform.
Best shows at the Universal Orlando Resort
There are four locations to catch Universal shows. This includes two of its three theme parks: Universal Studios Florida and Universal’s Islands of Adventure.
You’ll also find shows at select hotels as well as at Universal CityWalk, the resort’s main shopping and entertainment hub.
Universal Studios Florida
Universal Studios Florida is where you’ll find the majority of the action, since this theme park focuses on films and live entertainment.
So what shows are at Universal Studios Florida?
Animal Actors on Location!
One of the best shows for families, Animal Actors on Location! features animal actors performing skits, interacting with the audience and video segments. It’s 20 minutes and runs throughout the day, which means it’s easy to catch. You’ll see many animals during this show, including birds, dogs, cats, pigs and more.
Celestina Warbeck and the Banshees
If you’re a fan of Harry Potter, you’ll want to catch Celestina Warbeck and the Banshees. Located in The Wizarding World of Harry Potter Diagon Alley, you can catch this open-air show multiple times per day.
It features songs from the Harry Potter books — including “A Cauldron Full of Hot, Strong Love” over which Fleur Delacour and Molly Weasley argued in “Harry Potter and the Half-Blood Prince.”
The Bourne Stuntacular
If you’re a fan of action, you’ll want to visit The Bourne Stuntacular. It uses a mixture of physical props (including fire) and digital technology to create an immersive thrill experience for guests. Along with stunt doubles, you’ll see free-falls, moving vehicles and a 3,640 square-foot LED screen during the show.
🤓Nerdy Tip
The Universal Express Pass includes priority admission to in-demand shows such as The Bourne Stuntacular.
Universal Orlando’s Horror Make-Up Show
Few can make magic happen like Hollywood makeup artists, and this is especially true for those working on horror movies. In this show, you’ll learn how fake blood is made, check out how the process works and even participate, if you’re lucky.
Universal’s Islands of Adventure
Universal’s Islands of Adventure doesn’t have many shows, mostly because it tends to rely on larger rides and intensive theming to create excitement. The park lists three shows, two of which are located at The Wizarding World of Harry Potter Hogsmeade.
Triwizard Spirit Rally
One of the best shows in Universal Orlando for fans of the Wizarding World, the Triwizard Spirit Rally is a live demonstration put on by the students from Harry Potter and the Goblet of Fire. Representatives from international wizarding schools Beauxbatons and Durmstrang appear onstage next to Hogwarts students to perform a morale-boosting rally.
Universal Orlando Resort Hotels
Wantilan Luau
Located at the Loews Royal Pacific Resort, the Wantilan Luau takes place once per week. Shows are on Saturday evenings and tickets are required; registration begins at 5:30 p.m. and seating starts at 6 p.m. Along with live music, you’ll see hula dancers and fire dancers, all while enjoying an all-you-can-eat buffet.
Musica della Notte
If you enjoy live music, you’ll want to catch this free show at the Loews Portofino Bay Hotel. Taking place each evening, those in the Harbor Piazza will be treated to classic opera, festive melodies and “popera” by a chorus of singers.
Universal CityWalk
The Universal CityWalk includes many restaurants, shops, bars and entertainment venues, but Hard Rock Live Orlando dominates.
Hard Rock Live Orlando
You’ll need tickets to see an event at Hard Rock Live Orlando, which hosts acts such as George Lopez, Billy Joel and Kesha.
The best shows at Universal Orlando recapped
The Universal Orlando Resort features a lot to see and do, from high-speed roller coasters to traditional opera singers, a wide variety of shows and more.
In multiple locations — at two of the theme parks and CityWalk and in select hotels — visitors can find a luau, themed dancers, animal actors, special movie effects and more.
(Top photo courtesy of Universal Parks & Resorts)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Join us on a journey through the small towns of Alaska, where wilderness meets community and adventures abound. From scenic landscapes to unique attractions, each town has its own story to tell. As we explore the charm of 12 small towns in Alaska, you’ll discover the heart and soul of Alaska’s small-town life.
1. Willow, AK
Median sale price: $332,500
Walk Score: 5
Nestled against the backdrop of majestic mountains, Willow welcomes you with its tranquil beauty and outdoor adventures. This town is known for its connection to the world-famous Iditarod Trail Sled Dog Race, where you can experience the excitement of this iconic Alaskan event. Discover the nearby Nancy Lake State Recreation Area, offering opportunities for fishing, hiking, and camping.
Homes for sale in Willow, AK
Apartments for rent in Willow, AK
2. Houston, AK
Median sale price: $215,500
Walk Score: 1
Houston, a peaceful town surrounded by Alaskan wilderness, invites you to embrace its serene atmosphere and close-knit community. The town has many outdoor opportunities, offering access to hiking trails, fishing spots, and nature reserves. Houston hosts an annual Moose Pass Summer Solstice Festival, celebrating the state’s iconic wildlife.
Homes for sale in Houston, AK
Apartments for rent in Houston, AK
3. Tok, AK
Median sale price: $100,000
Walk Score: 23
At the crossroads of Alaska’s highways, you’ll find the small town of Tok. Tok is full of quirky attractions like the Mukluk Land theme park, where you can tour unique Alaskan oddities. Residents often endure extreme weather conditions, with temperatures plummeting to -40°F in winter, requiring careful preparation and resilience.
Homes for sale in Tok, AK
Apartments for rent in Tok, AK
4. Salamatof, AK
Median sale price: $397,500
Walk Score: 6
Salamatof is a small hidden gem of Alaska. The town’s proximity to the Kenai River offers premier fishing opportunities, attracting anglers from around the world. Salamatof’s rich Native Alaskan heritage is celebrated at events like the Kenaitze Indian Tribe Powwow. With its picturesque landscapes and cultural connections, Salamatof provides a glimpse into Alaska’s extraordinary past.
Homes for sale in Salamatof, AK
Apartments for rent in Salamatof, AK
5. Farmers Loop, AK
Median sale price: $257,500
Walk Score: 4
With numerous farms and gardens, Farmers Loop has opportunities for equestrian activities and trail riding. Navigate the Creamer’s Field Migratory Waterfowl Refuge, where you can observe migratory birds and enjoy peaceful walks. Or attend one of the many local events, fostering a sense of community and connection among residents.
Homes for sale in Farmers Loop, AK
Apartments for rent in Farmers Loop, AK
6. Butte, AK
Median sale price: $1,195,000
Walk Score: 18
In the Matanuska Valley, Butte is a blend of scenic beauty and agricultural heritage. Wander around the nearby Bodenburg Butte Trail, which leads to panoramic views of the surrounding landscape. Butte’s connection to farming is celebrated at local markets and festivals, showcasing the region’s bounty.
Homes for sale in Butte, AK
Apartments for rent in Butte, AK
7. Seward, AK
Median sale price: $366,000
Walk Score: 42
A coastal gem on the shores of Resurrection Bay is the small town of Seward. The town is close to Kenai Fjords National Park, where you can witness glaciers calving into the ocean and spot marine wildlife. Seward’s bustling waterfront boasts galleries, shops, and seafood eateries. Experience the excitement of the annual Seward Silver Salmon Derby or embark on a scenic boat tour to enjoy the bay’s hidden treasures.
Homes for sale in Seward, AK
Apartments for rent in Seward, AK
8. Big Lake, AK
Median sale price: $228,000
Walk Score: 24
Big Lake, a picturesque retreat surrounded by water and wilderness, welcomes you to experience its serene beauty and recreational opportunities. The community thrives on fishing, boating, and lakeside relaxation. Journey through the Matanuska-Susitna Valley’s vast landscapes with hiking, birdwatching, and wildlife spotting.
Homes for sale in Big Lake, AK
Apartments for rent in Big Lake, AK
9. Fritz Creek, AK
Median sale price: $150,000
Walk Score: 7
Located on the Kenai Peninsula, Fritz Creek invites you to savor its rural charm and artistic spirit. The town’s creative community is reflected in its art galleries, studios, and workshops. Head to the Homer Spit for the picturesque views, fishing charters, and local seafood offerings.
Homes for sale in Fritz Creek, AK
Apartments for rent in Fritz Creek, AK
10. Anchor Point, AK
Median sale price: $247,500
Walk Score: 24
Anchor Point is the westernmost point of the North American highway system. The stunning beachscape provides opportunities for beachcombing, fishing, and enjoying panoramic views of the ocean. Explore the Anchor River State Recreation Area, offering fishing and camping along the riverbanks. Anchor Point hosts events, celebrating its close-knit community and connection to the sea.
Homes for sale in Anchor Point, AK
Apartments for rent in Anchor Point, AK
11. Lazy Mountain, AK
Median sale price: $787,100
Walk Score: 3
In the Matanuska-Susitna Valley, you’ll find Lazy Mountain, known for its iconic mountain views. Embrace the peace and beauty of the natural surroundings, whether you’re exploring trails or admiring the Northern Lights. With its breathtaking landscapes and serene atmosphere, Lazy Mountain offers a true escape into Alaska’s wilderness.
Homes for sale in Lazy Mountain, AK
Apartments for rent in Lazy Mountain, AK
12. Healy, AK
Median sale price: $250,000
Walk Score: 7
Healy is a gateway to Denali National Park, inviting you to experience its natural beauty and sense of adventure. This small town is close to North America’s tallest peak, Denali, offering opportunities for hiking, wildlife spotting, and exploring the park’s wilderness. Whether you’re marveling at the grandeur of Denali or partaking in outdoor activities, Healy captures the essence of Alaska’s rugged spirit.
Homes for sale in Healy, AK
Apartments for rent in Healy, AK
Wrapping up small towns in Alaska
The small towns of Alaska encapsulate the essence of a unique and rewarding lifestyle. Far from the urban hustle, these communities provide a haven of natural wonder and authentic human connections. Whether relishing outdoor pursuits, embracing artistic endeavors, or savoring the coastal ambiance, Alaska’s small towns hold the promise of unforgettable experiences, making them true gems within the Last Frontier’s majestic expanse.
It’s a common (and frustrating) experience to have to pay a fee when you access your cash at an out-of-network ATM.
Currently, this kind of transaction will cost you $4.66 on average. When you are just trying to get $20 to buy an old book at a flea market or to buy some street food, that can be a lot!
To better understand ATM fees and avoid paying them, read on. You’ll learn typical costs and smart ways to dodge those extra charges and keep more of your hard-earned cash.
Common ATM Fees
Bank account holders typically pay no fees for using in-network ATMs, whether you’re dipping your card or doing a cardless withdrawal. However, these machines may not always be conveniently located.
Indeed, more than half of ATMs today are owned and serviced by independent operators and their affiliates — not banks. If you use an out-of-network ATM, you could end up paying a fee to your bank, as well as a fee to the ATM operator.
So how much are ATM fees? Here are some typical charges for using an ATM:
Non-Network Fee
This fee can be charged by your bank for using a non-branded or non-partner ATM. It’s kind of like going to a doctor that’s not on your insurance plan — you might be able to do it, but it could be more expensive.
On average, this charge accounts for about $1.52 of the total fee, according to Bankrate. The fee can apply to any type of transaction performed at an ATM, including withdrawals, transfers, and even balance inquiries. Typically, you won’t be told about such fees at any time during your ATM transaction.
ATM Surcharge
This one comes from the ATM owner, and is often labeled as a “convenience charge.” The average U.S. surcharge currently runs $3.14. However, surcharges can vary by state and venue, and you may encounter higher amounts in places where ATMs are in greater demand.
If you’re at an entertainment venue or theme park in a popular tourist destination, for instance, you could pay considerably more.
When using an ATM that isn’t part of your bank’s network of machines, the machine usually notifies you about a fee charged by the bank or company that operates the ATM.
Foreign ATM Fees
Traveling overseas can come with even more watch-outs, such as foreign transaction fees on both purchases and ATM withdrawals.
When using an ATM in a foreign country, you can incur a fee of around 1% to 3% of the transaction amount. Some financial institutions, however, have no foreign transaction fees, and can be worth looking at if you frequently travel overseas.
Ready for a Better Banking Experience?
Open a SoFi Checking and Savings Account and start earning 1% APY on your cash!
What Are Average ATM Fees?
As mentioned above, ATM fees can take a bite out of your money. Here are specifics on how much ATMs charge, as of the end of 2022:
• The average out-of-network fee that a bank charges its customers is $1.52.
• The average surcharge by the ATM’s owner/operator when you use an out-of-network terminal is $3.14.
• The total average out-of-network fee is the sum of these two numbers, or $4.66 per transaction.
💡 Quick Tip: Typically, checking accounts don’t earn interest. However, some accounts do, and online banks are more likely than brick-and-mortar banks to offer you the best rates.
5 Tips to Avoid ATM Fees
If having to pay money to access your money grinds your gears, there’s some good news — it is possible to avoid ATM fees or at least encounter them less frequently.
Here are some strategies:
1. Scouting out ATMs in Advance
Finding out where your financial institution’s in-network ATMs are located in your area, or where you are traveling to, can save you money and hassle. These may be ATMs branded with the institution’s name and logo, or in a network of partner ATMs, such as Allpoint or Star. You can research this on your bank’s website or app.
2. Getting Extra Cash When You Use an ATM
Fees are typically charged per transaction, so one way to avoid charges is to withdraw more cash than you need whenever you go to the ATM, and then keep it in a safe place. This can yield significant savings when you are traveling overseas, where surcharges can be significantly higher than domestic ATM fees. You may want to keep in mind, however, that there are usually some ATM withdrawal limits.
3. Asking for Cash Back at the Register
Many retailers and convenience stores offer cash back when you make a purchase using your debit card. This can be a convenient way to get cash without paying an ATM fee. It can be a good idea, however, to make sure that neither the retailer, nor your bank charges a cash-back fee.
4. Switching to a Different Bank
Not all banks charge out-of-network ATM fees. If you’re getting hit with fees, especially double fees, you may want to consider switching to an institution that has a larger ATM network, doesn’t charge ATM fees, and/or refunds ATM fees charged by machine providers.
Online vs. traditional banks often have generous policies regarding ATM fees. They typically don’t have their own ATM networks, but will partner with large networks and may refund some fees charged by out-of-network ATM providers.
5. Using a Peer-to-Peer Payment App
With a peer-to-peer (P2P) payment app, like Venmo, or a similar service offered by your financial institution, you can easily pay your friends without cash with just a few taps on your phone -– and avoid a trip to the ATM entirely. And mobile payment can be safe, instead of carrying cash.
💡 Quick Tip: The myth about online accounts is that it’s hard to access your cash. Not so! When you open the right online checking account, you’ll have ATM access at thousands of locations.
Banking With SoFi
One way to avoid ATM fees is to bank with a financial institution that has a robust network of cash machines, like SoFi.
Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.
Better banking is here with up to 4.50% APY on SoFi Checking and Savings.
FAQ
How can you avoid ATM fees?
There are a few ways to avoid ATM fees: You could bank at a financial institution with a large network of cash machines; you could use a P2P app; you could get cash back at the register; or you might take out more cash in advance, among other strategies.
Are ATM fees worth it?
Whether ATM fees are worth it will depend on the circumstances. If you need cash badly, you might not mind paying a few dollars. But often, people don’t want to spend money to access their money.
Are ATM fees higher at airports?
ATMs may be more expensive at airports. For instance, not all banks or ATM networks are represented at airports. You may have a hard time finding yours and therefore have to use an out-of-network cash machine. In addition, some popular locations, from airports to theme parks to casinos, have been known to have higher than usual fees.
The SoFi Bank Debit Mastercard® is issued by SoFi Bank, N.A., pursuant to license by Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
SoFi members with direct deposit can earn up to 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 4.50% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 8/2/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
The Walt Disney World resort in Florida has four theme parks, two water parks, a handful of hotels and a golf course. A little-known secret also worth visiting is Disney’s BoardWalk.
Filled with restaurants, hotels and a dueling piano bar, Disney’s BoardWalk offers ticket-free entry and plenty of things to do.
What is Disney’s BoardWalk?
Disney’s BoardWalk is an entertainment area within walking distance from the Epcot theme park. It surrounds the same lake where water taxis ferry guests from Epcot to various hotels.
The quarter-mile BoardWalk is a single connected walkway from the BoardWalk over to Disney’s Beach Club Resort, Disney’s Yacht Club Resort and Epcot.
This means you can have a leisurely stroll (or bike) throughout the area without crossing roads or leaving the atmosphere.
Disney’s BoardWalk hotels
On the Disney BoardWalk, you’ll find one hotel: Disney’s BoardWalk Inn. As a deluxe resort, you can expect to pay upward of $619 per night, though, you can enjoy a pool with a large water slide and very easy access to Epcot.
Across from the BoardWalk, you’ll find Disney’s Yacht Club Resort and Disney’s Beach Club Resort. These feature more of a beach theme than the BoardWalk Inn while still remaining relatively close.
The Walt Disney World Dolphin Hotel and the Walt Disney World Swan Hotel are just off the BoardWalk. These two properties are unique as you can book with Marriott Bonvoy points, which means you can potentially save on your stay while remaining close to the action.
Disney’s BoardWalk restaurants
There are 11 restaurants and bars at Disney’s BoardWalk, ranging from sit-down options to an ice cream parlor.
Table service
Those who’ve been to Disney World have probably heard about table service and quick-service dining. As it sounds, table service dining includes a more elevated experience, where you and your group sit down to enjoy your meal. This includes:
Big River Grille & Brewing Works.
Flying Fish.
Trattoria al Forno.
Quick service
Quick-service dining is similar to fast food, though that doesn’t mean it’s lower quality. Instead, these are the types of meals you grab and go at a counter. The choices are:
BoardWalk Deli.
BoardWalk Joe’s Marvelous Margaritas.
Pizza Window.
Other options
AbracadaBar.
BoardWalk Ice Cream.
Funnel Cake Cart.
The Cake Bake Shop Bakery by Gwendolyn Rogers (coming soon).
The Cake Bake Shop Restaurant by Gwendolyn Rogers (coming soon).
Why is it important to know which restaurants are table service versus quick service? Because those who are staying at an eligible resort can take advantage of the Disney Dining Plan, a service that allows you to prepay all of your meals.
Although paused in 2020, Disney has announced that those traveling to Walt Disney World can add the Dining Plan to their package beginning Jan. 9, 2024.
Disney’s BoardWalk attractions
You’ll find standard amenities as a guest staying at Disney’s BoardWalk Inn, though these options may also be available to day visitors. Recreational activities include:
Mini golf.
Surrey bike rentals.
Campfire songs and marshmallow roasting.
Pickleball.
Playground.
Otherwise, Disney’s BoardWalk is one of the best spots for adults to spend time. This is because of both the Atlantic Dance Hall and Jellyrolls.
No, those weren’t typos. The Atlantic Dance Hall and Jellyrolls bar are available to those 21 and older only. The Atlantic Dance Hall is a dance hall open every evening from 8 p.m. to 1 a.m. and is free of charge.
Jellyrolls is a dueling piano bar featuring sing-alongs with the audience. It’s walk-in only and is open from 7 p.m. to 1:45 a.m. every night, though Disney’s site warns that it’s extremely popular, so you’ll want to arrive early. Note there’s an entrance fee.
Disney’s BoardWalk transportation
Traveling to the BoardWalk? Walt Disney World Resort is crisscrossed with several transportation options, including an aerial gondola and water taxis. You can access the BoardWalk by:
Driving.
Disney Skyline (aerial gondola).
Taking a water taxi.
There is minimal official parking at the BoardWalk, so those coming by car must park at Disney’s BoardWalk Inn or Epcot. It’s also possible to use Disney’s valet service.
If you’re staying at a Walt Disney World resort, take a look at the individual options available before heading over. Certain resorts include access to the Skyliner, as does Disney’s Hollywood Studios.
If you’ve started your day at the Transportation and Ticket Center (the hub for Magic Kingdom), you can also opt to take the monorail over to Epcot, then walk from Epcot to the BoardWalk.
The BoardWalk at Disney recapped
The Walt Disney World resort is a sprawling complex with many things to do. This includes Disney’s BoardWalk, which evokes the ambiance you’d find at the boardwalks in Santa Cruz, California; Coney Island, New York; and Atlantic City, New Jersey.
While it may not be the most recognizable spot in Disney World, it offers options that range from dining, dancing all night or simply strolling around the promenade.
(Top photo courtesy of Walt Disney World)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.
Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode: Learn Nerdy tips to plan a Disney vacation without going broke, and how to choose a retirement plan when self-employed.
This Week in Your Money: Unlock the magic of making your next Disney vacation more affordable with insider tips from travel Nerd Sally French. She joins hosts Sean Pyles and Liz Weston to unveil the secrets behind experiencing Disneyland and Disney World on a budget, from strategic hotel choices to the types of tickets you might want to avoid. Plus: The Nerds discuss the value of early entry benefits, share their hot takes on whether Genie+ tickets are worth the splurge and explore methods for saving money on food and souvenirs.
Today’s Money Question: Investing Nerd June Sham joins Sean and Liz to answer a listener’s question about how to manage retirement plans and quarterly taxes as a self-employed professional. The Nerds go deep into 401(k) contribution limits, mega backdoor Roth 401(k) and IRA plans and SEP, or simplified employee pension, plans. You’ll discover money-saving strategies, understand when it’s important to budget for quarterly taxes and learn when you might need a tax professional to keep your finances in check.
Check out this episode on your favorite podcast platform, including:
NerdWallet stories related to this episode:
Episode transcript
Sean Pyles: Liz, I know you’re a big Disney fan and a Disneyland regular. How much do you think you’ve spent at Disneyland over the years?
Liz Weston: Oh, so much that Scrooge McDuck hasn’t finished counting it yet.
Sean Pyles: That’s a lot of gold coins. Well, this episode, we’re going to help folks find a more affordable way to get the most out of a Disney vacation.
Welcome to NerdWallet’s Smart Money podcast, where you send us your money questions and we answer them with the help of our genius Nerds. I’m Sean Pyles.
Liz Weston: And I’m Liz Weston. Listener, you know the deal. There’s probably something in your financial life that you need help with. Well, let us be your Nerdy helping hand. No matter what the money question, send it our way.
Sean Pyles: You can leave us a voicemail or text us on the Nerd Hotline at 901-730-6373. That’s 901-730-NERD. You can also email us at [email protected]
Liz Weston: In this episode, Sean and I answer a listener’s question about choosing between different retirement accounts. But first, it’s off to Disney. We’re talking with travel writer Sally French about how you can save money on a Disney vacation.
Welcome back to Smart Money, Sally.
Sally French: Thanks for having me. It’s great to be back talking about one of my favorite topics, Disneyland.
Sean Pyles: Yeah. So Sally, it’s summertime. If families want to squeeze in a vacation to Disney World in Florida or Disneyland in California before school starts, how much should listeners budget?
Sally French: Sean, I love the question, but it is so broad. There are so many ways to travel to Disney on every budget. That said, NerdWallet did some research to understand how much a trip costs for a family of four. What NerdWallet found is that a three-night visit to Disney World can range from about $3,000 on the lower end up to $6,000 for families who prefer more of a deluxe experience, and at Disneyland, it’s actually slightly more expensive. A family of four can expect to spend $3,600 on the low end and $6,500 on the higher end.
Sean Pyles: That is a lot of money. You can have a fantastic trip through Europe for that amount of cash. So what do you think are some good ways to save?
Sally French: What NerdWallet found is that more than tickets, more than souvenirs or food, hotels ate up the biggest chunk of the budget. And a big reason why Disneyland trips were more expensive overall than Disney World trips is because Disneyland hotels are more expensive overall.
When NerdWallet compiled this research, we looked at Disney-owned hotels, that’s as opposed to something like a Hilton or a Hyatt nearby, and in fact, staying at that Hilton or that Hyatt nearby or even something off-property like a vacation rental can be one of the best ways to save. Disney-owned hotels are just so expensive. At least at Disney World, there are roughly two dozen Disney-owned hotels, but at Disneyland there are only three Disney-owned hotels, which just really limits the options. So if you do want to fully stay at Disney for your entire trip, expect to pay a lot more.
Liz Weston: And it’s gotten more expensive over the years. I remember back in the day, you could actually get a room at the Grand Californian at Disneyland for under $200. Those days are so long gone. Yes, I just …
Sally French: Wow! Liz, please tell me you snagged that under-$200 deal. I’ve never stayed there because it is not in my budget.
Liz Weston: We snagged that a couple of times in January when our daughter was very small. Now, I just checked, and a standard room is over $800 a night at that one hotel. Yeah, so it’s crazy.
Sally French: But I think it is worth mentioning what the benefits are. So for people who don’t know what the Grand Californian is, that hotel has its own entrance to California Adventure Theme Park, and there are other benefits, like early entry. Early entry can be one of the most valuable perks because you get in line before everyone else does, and you know at Disney, time is money. So even though it’s expensive, just keep in mind there are benefits that, for some families, it can be worth it.
Sean Pyles: And getting into the park early can maybe make it so you don’t have to buy something like Genie+, which is a tool that allows people to skip lines in a very convoluted way. And Liz, I know you have strong feelings about this program. Can you please give us your thoughts?
Liz Weston: I’m going to try my hardest not to derail the conversation multiple times, but I do have to have a rant about Genie+. Could Disney have come up with a more confusing and complicated system? I would give anything to go back to our beloved FastPass, which was actually free. Now, you have to pay $25-plus per person to skip some lines, not all the lines, some lines. plus you’re going to pay another $25 to $30 bucks, again per person, to skip the lines for each of the most popular rides. It’s a huge additional expense for a family, but the alternative is standing for hours in line because the parks are almost constantly busy.
So to circle back to that early entry can make a big difference, the other thing that can really help is to be there at what they call rope drop, which is when the parks first open, generally about 30 minutes before the posted time. So if you can get your whole family up and there to the park, you can actually ride a lot of rides in that first hour or so.
Sally French: Yeah. And you know Liz, that’s really the best tip. I was actually just at Disney World and in the first hour, we did eight rides. We just beelined to Fantasy Land and just boom, boom, boom. We just hit all of them. But then the next three hours, we only got on two rides because people start piling in late. And so if you can get all those rides in early, you knock it all out and then have the rest of the day to sort of kick back and relax.
Sean Pyles: Yeah. Well also, if you are looking to have a relaxing vacation, I wouldn’t necessarily think that Disney is the place to do that. Between all of the people and the time and the money involved, it seems a little bit too stressful for my tastes.
But Sally, I’m wondering if you have any other tips for how people can save money if they are going to go the Disney route for their vacation.
Sally French: Yeah. So we talked already about considering staying off property. Again, there’s pros and cons, but other things are bringing your own stuff from off-property, so that is food and souvenirs. A lot of people don’t realize that Disney actually is very open about allowing you to bring in your own outside food. There are just a few limitations, like you can’t bring in glass or hard-sided coolers, things like that.
Same for souvenirs. Disney charges so much for souvenirs, but typically, there are very similar souvenirs being sold at Target. Your kid wants to go to the Bibbidi Bobbidi Boutique and get their princess dress. Can you go to a store like Target or even order on Amazon or wherever you buy kids toys and buy a princess dress for your kid there? They probably won’t even realize that you didn’t buy it at the Disney parks. So if you can surprise your kid that night and say, “Here’s your new princess dress,” they’ll probably think it came from Disney anyway.
Liz Weston: And I’m not sure about Disney World, but not far from Disneyland is what we like to call “The Magical Target” because it has tons of Disney merchandise for half or less of what you’d pay at the parks. It’s on Harbor Boulevard in Garden Grove, which is just down the road from Disneyland.
Sean Pyles: Tickets are also a really expensive part of Disney, but there are a few ways to get discounted tickets, right?
Sally French: Yeah, so Liz already mentioned Target, but I also recommend using Target to simply buy gift cards, which you can turn around and use to buy souvenirs in the park or use them to buy theme park tickets. The reason why I recommend buying gift cards at Target is for folks who have a Target REDCard, which is Target’s branded credit card, that REDCard offers 5% off and it’s automatic at the register on Target purchases.
If you’re not going to Target and you don’t have a Target REDCard, you might also look at places like Costco. They often have deals. AAA tends to have deals. Of course, these vary based on the time of the year. There’s even sometimes local resident deals. So if you live in California, there might be an offer. So shop around, even if you have some sort of corporate employee discount program, you might find discount Disney tickets there as well.
Liz Weston: And we should mention that Target also sells Disney entrance tickets and there’s usually a $5 to $10 discount compared to buying them directly from Disney. And then again, you get that 5% REDCard discount.
Sally French: Yeah, that’s a great tip.
Another thing to remember is Disney recently implemented that on-demand pricing. So if you are used to taking Ubers and Lyfts, you might know about surge pricing. That is something that has relatively been new to the Disney parks. So for better or for worse, it used to be that if you wanted to go to Disneyland on Christmas, a Saturday in the summer, it was just absolutely packed. And then if you went to Disney on a Tuesday in February when it’s raining, it would be a complete ghost town. And what’s happened now is that they charge significantly less to go on those off-peak times, that’s the rainy Tuesday in February, and significantly more to go on the peak times like the summer Saturday.
And so what that’s actually done is it has evened out the crowds because people are price-sensitive and they say, “You know what? I don’t mind going on that Tuesday in February if I can save money.” So if you are like that, you might be able to save money by going on those off-peak seasons.
Another sort of ticket hack, I like to say, is to avoid the Park Hopper. So Disney sells tickets that are single-day single-park, or they sell Park Hopper tickets, which allow you to go to multiple parks in one day. So at Disney World, there are four parks, and at Disneyland, there are two parks. If you are only going to be at the overall Disney resort for one day and you want to see what each park has to offer, then you will have to buy a Park Hopper, but these tickets are more expensive than single-day single-park. So if you are going to be on property for multiple days, I recommend just doing that single-day single-park.
Sean Pyles: So Sally, I have one last question for you. Given how much things cost at Disney, is there anything free at these parks?
Sally French: Sean, you asked the right person because I love free things to do at Disney.
So at Disneyland Resort in California, they have a shopping district called Downtown Disney. You can also wander into some of the hotels, which are nice to look around. You might even spot a Disney character there. But at Disney World, Sean, I actually took an entire week-long trip to Disney World and did not set foot into the parks once. That’s because I was explicitly trying to figure out what I could do outside the theme parks and the answer is a lot.
So they have something similar to Downtown Disney called Disney Springs. Again, it’s a shopping and dining district. They also have another smaller district called Disney’s Boardwalk and there are so many free things to do here. So the Boardwalk has live entertainment at night. You’ll see jugglers, you’ll see singers.
And then all of the resorts have so many unique attractions. We mentioned earlier there are about two dozen Disney resorts. They’re all really highly themed. You can watch the fireworks, you can ride the monorail around. They have so many amazing transportation systems that are free, like lovely boat rides. They have a Skyliner, which is this aerial gondola. It’s free.
And so believe it or not, there is so much stuff that you can do outside the parks that I think you could have a great time at Disney without once stepping foot inside a theme park.
Sean Pyles: All right, well Sally, thank you so much for sharing your tips with us.
Sally French: Thank you.
Liz Weston: Before we move on, we have an exciting announcement. We are running another book giveaway sweepstakes ahead of our next Nerdy Book Club episode.
Sean Pyles: Next month, we’re speaking with Cameron Huddleston, author of “Mom and Dad, We Need to Talk,” which guides us through challenging but essential financial conversations with our parents. To enter for a chance to win our book giveaway, send an email to [email protected] with the subject “Book Sweepstakes” during the sweepstakes period. Entries must be received by 11:59 p.m. Pacific Time on August 9th. Include the following information: your first and last name, email address, ZIP code and phone number. For more information, please visit our official sweepstakes rules page.
That wraps up our This Week in Your Money segment. Today’s Money Question is up next. Stay with us.
This episode’s Money Question comes from Austin, who texted us their question. Here it is as read by our audio editor, Kaely Monahan.
Kaely Monahan: Hello, my name is Austin and I have a question for a future NerdWallet Smart Money podcast episode. I earned some of my income through 1099 work as an on-call pediatrician at my local hospital. I’ve created a single-member LLC to receive this pay and would like to utilize it in the best way possible. It is extra and not needed for our monthly bills or expenses, and thus is used solely for saving and investing. I already maxed out the yearly employee 401(k) contributions and backdoor Roth through my W-2 salary, so I don’t think I can do any more on that front. I know I could contribute up to 25% of the total 1099 money to a solo 401(k).
My primary question is logistically, how do I do this? How do I choose between a Roth versus traditional 401(k)? How should I set aside some money for quarterly taxes and how do you pay quarterly taxes? How can I determine how much to put into the solo 401(k) each month versus how much I can save or invest in my taxable brokerage? And finally, do I need to wait until year-end and know the total yearly income before investing in anything? Any advice or guidance would be greatly appreciated. Thanks again for all your help.
Liz Weston: To help us answer Austin’s question, on this episode of the podcast we’re joined by investing writer June Sham. Welcome to Smart Money, June.
June Sham: Thank you so much for having me.
Sean Pyles: It’s great to have you on, June. There’s a lot going on in Austin’s question, but before we get into all of it, a quick reminder courtesy of the NerdWallet legal team. We are not investment advisors or financial advisors and will not tell you what to do with your money. Our job as Nerds is to give you the information and context so that you can make informed decisions with your money.
OK, now let’s get into the meat of Austin’s question. They’re asking about three different types of retirement plans: an employer-sponsored 401(k), a backdoor Roth and a solo 401(k). And Austin is essentially wondering how to fund and prioritize these accounts.
June Sham: Yeah, of course. So with the employer-sponsored 401(k) plan, you as the employee make pre-tax contributions into the account. What’s really great is that typically, most employers will offer a matching contribution based on the amount that you put in, and so it’s a great way to earn some extra free money towards your retirement savings.
Some 401(k) plans now also come in a Roth version, which doesn’t have an upfront deduction, but you do get to withdraw the money tax-free in retirement. So Austin also said he’s doing a backdoor Roth. What that means is that he’s contributing money to a traditional IRA and then converting that money to a Roth IRA. Roth IRAs have income limits, so this backdoor version is a method for people with higher incomes to get money into their Roth IRAs, which they necessarily wouldn’t be able to do.
Liz Weston: Yes, and like a Roth 401(k), Roth IRAs also don’t have an upfront tax break, but the money that you take out in retirement is tax-free.
So June, what about options for people who are self-employed or have self-employment income like Austin has?
June Sham: With self-employment income, you have a number of different options, which I think, Sean, you’ve covered on the podcast before. Austin might be confusing a couple of the more common types of self-employment retirement plans. A couple of these could be the SEP, or simplified employee pension, which allows Austin to contribute up to 25% of their net earnings from self-employment, and that’s up to $66,000 this year.
A solo 401(k) plan, which Austin mentioned, also has a $66,000 limit in 2023, but it breaks down a little differently. The self-employed business owner basically could contribute as an employer and an employee. And as an employee, Austin can contribute 100% of their compensation up to what’s known as elective deferral limit, which is $22,500 for people under 50 in 2023. As an employer, Austin can make a profit-sharing contribution of up to 25% of compensation. And the cool thing is that both the SEP and the solo 401(k) now have Roth versions as well.
Liz Weston: I just want to take a minute because most people, when they think about 401(k) limits, they’re thinking about the elective deferral limit. So that’s the one that gets all the publicity that if you know anything about 401(k)s, that’s probably the one you’ve seen, but these plans actually have much higher limits that count things like employer and after-tax contributions.
Sean Pyles: June, some financial advisors will recommend a specific order for prioritizing different types of retirement accounts. Can you talk about that and what Austin should consider as they’re deciding which of their retirement accounts to put the most money in?
June Sham: When it comes to figuring out where to put your retirement savings, it really comes down to the types of accounts you have and how much you can set aside. Let’s say, for example, it’s not possible to contribute the maximum to all of their retirement accounts, and in this case, most advisors probably recommend starting with your 401(k) plan, especially if it has an employer match to get that free money.
After you’ve gotten the match, you can look to an IRA based on the type of tax break you want, and from there, you can go back to your 401(k) plan.
Sean Pyles: Austin also wants to know how to set up a solo 401(k). How would they go about doing that?
June Sham: For that, you need an employer identification number, which they already have since they’ve set up that limited liability company. From there, you can set up a solo 401(k) with most online brokers and they’ll provide stuff like plan adoption agreements and account applications to fill out. Once that’s completed, you can go ahead and choose your investments.
Liz Weston: OK. For the second part of Austin’s question, they want to know how to prioritize contributions specifically among their plans. What would you tell people about that?
June Sham: So for people like Austin who have both an employer-sponsored 401(k) plan and a solo 401(k) plan, the most important thing they need to remember is that the annual contribution limit is a combined limit. So how to split contributions between the two plans could depend on things like employer match, plan administrative costs and investment options.
Sean Pyles: All right. And that part about combined contribution limits is really important here. In general for the 2023 tax year, the elective deferral limit for 401(k)s is $22,500, the number that we’ve mentioned earlier in this episode, and that’s if you’re under 50. If you’re 50 and over, you can contribute up to $30,000.
From Austin’s question, it seems like they’re saying they’re contributing the maximum amount to their 401(k) from their W-2 employer and they’re also looking to add more to a 401(k) via a solo 401(k). That might mean that they actually over-contribute, which could land Austin in a bit of trouble. Can you discuss what happens if you do over-contribute to an account like a 401(k)?
June Sham: Yeah, so if you have an excess contribution, it must be withdrawn by April 15th of the following year, or else there could be a lot of penalties including having the plan disqualified.
Sean Pyles: Hm. That’s bad.
Liz Weston: Yeah, very bad.
June Sham: Yep, that’s not really great. Austin could also make contributions to the solo 401(k) solely as an employer, not as an employee, so that Austin can avoid going above that employee contribution limit. Or a last option is that Austin could simply opt for a SEP and not have to worry about that combined limit, since a SEP is considered an entirely different type of plan if it’s offered by a different employer.
Sean Pyles: June, you mentioned earlier that SEPs and solo 401(k)s also have a Roth option, and so do a lot of workplace 401(k) plans. A lot of people have a hard time deciding when to contribute to Roth versus options that give them an upfront tax deduction. Personally, I try to balance when my retirement money is taxed. Some is taxed now and some will be taxed down the road. I contribute a lot to my 401(k). Last year, I was really focused on contributing to my Roth IRA, and I recently set up something called a mega backdoor Roth, something that I know Liz is a huge fan of and we’ll get into in a little bit.
Liz Weston: I totally will. I totally will. I am all about tax diversification and it’s a phrase that planners love to use when they’re describing the ability basically to better control your taxes in retirement. If all of your money is in pre-tax options, like if you’re maxing out the 401(k) pre-tax or putting it all in a traditional IRA where you get a tax deduction, it all has to be taxed when it comes out and they force you to take it out at a certain age. If you’ve got money in a Roth, you don’t have to pay income taxes on withdrawals and you also don’t have to worry about required minimum distributions. That gives you a heck of a lot more control.
June Sham: Yeah, early in my career, I focused solely on making Roth contributions for pretty much that exact reason. I assume that my earning potential would change in the future and I wanted to be able to access that money tax-free in retirement. But now, I see a lot of value in having, Liz, what you said, tax diversification and taking advantage of things now as opposed to later and helping me plan out my retirement strategy.
Liz Weston: Yes. And one other thing to check out is what Sean just mentioned, which is the mega backdoor Roth option. We talked about the backdoor Roth where you contribute to a traditional IRA and then you convert it. The mega backdoor Roth is a similar idea, but it is on steroids. So mega backdoor Roths have to be offered by your employer and many of them don’t.
But if they do, it starts out with a 401(k) plan that allows you to make after-tax contributions, and then it offers what’s known as an in-service conversion. In other words, the money you put in after tax is converted right away into a Roth option. Normally, you would have to wait until you left your job to roll after-tax money into a Roth. So high earners really like the mega backdoor Roth because they don’t have to worry about those Roth IRA income limits, plus you can put a lot more money in. IRAs have a lower contribution limit, the $6,500 that we mentioned earlier for people under 50. With a mega backdoor Roth, you can contribute up to, get this, $43,500. That’s in addition to the $22,500 that you can contribute to the regular 401(k) plan.
Now, there’s a lot of math that goes into this and we will have links in the show notes to articles that explain exactly how this works and who it might be good for.
Sean Pyles: I think a lot of listeners may be listening to that and thinking, “First of all, that’s confusing. I don’t know what’s going on.” And second of all, “$66,000 is a lot, a lot of money to contribute to a retirement account in a single year.” And so I want to zoom out a little bit and talk about retirement account contributions, maxing out retirement accounts, in relation to other financial goals, because maxing out a retirement plan or three can be really great for your future self, but it’s not realistic for many people and it can sometimes conflict with other goals like saving for a down payment on a house, building up an emergency fund, that sort of thing.
And our listener, Austin, is also wondering about when to invest money into a brokerage account versus a retirement account. I’d love to hear how you guys think about competing financial priorities in your own lives, especially as it relates to retirement and other investments.
June Sham: Yeah, you bring up a really good point, Sean. Our immediate financial goals and responsibilities are just as important as our future ones. It would be so great if we could all max out our retirement accounts, and truly, major congratulations to Austin for doing so, but it’s also not the end of the world if we can’t.
At least in my own life, I try to remember that everyone’s financial journey is different. You can’t use someone else’s financial plans because we’re all in different places. And so being strategic with your own money and being realistic with your own goals is the best way to make the decisions for yourself.
When deciding to prioritize between retirement or brokerage accounts though, you really need to consider when you need the money. If it’s shorter than five years, then short-term investments like online savings accounts, CDs or money market accounts might be the best move. For anything longer, you could consider, then, a brokerage or retirement account, but just remember that with retirement accounts, you can’t withdraw the funds until 59 and a half years old without incurring penalties and taxes.
Sean Pyles: One way I like to think about retirement contributions and the lofty goal of maxing out accounts in relation to other things is that you don’t have to do one thing for the rest of your life. Maybe you have a great year financially and you can max out your retirement account and maybe the next year, you have some financial setbacks or you have other expenses come up, like you have a kid, that needs a lot of money of course, and so you draw back from contributing as much to your retirement account because you have a much more pressing financial priority in the form of a baby or a house or whatever it may be.
So I think that just understanding that you may have peaks and valleys of what you can put into different financial priorities will help you be more flexible and accomplish many different things simultaneously.
Liz Weston: Yes, I would just add that I am really glad that I tried to put in as much in as possible to my retirement funds when I was younger because that gave me a heck of a lot more flexibility down the road when I did want to start my own business and have a kid and take some time off. And all those things were possible because I kind of maxed out at the beginning, if that makes sense. It is not something that everybody can do. However, that wonderful power of compounding really gets going for you if you can put money into a retirement account as early as possible.
So I do encourage people, don’t ignore this, this is really important, try to do it, but as you guys said, there are lots of different goals that we have to accomplish and sometimes it’s tough to get it all done.
June Sham: Yeah. And every little bit helps. If you only just put in a little bit, compound interest can help you take care of it even more.
Liz Weston: Yep, exactly.
Sean Pyles: Yeah. And play the long game. And Liz, now I have a question for you as a business owner. Austin is wondering about quarterly taxes and how to manage them. I’m guessing your suggestion for Austin would be to hire a qualified tax professional.
Liz Weston: And the earlier, the better. When you have your own business, you have so many complicated issues to deal with. It can really help to have another set of eyes on your tax return, someone knowledgeable who can guide you and answer questions because tax people do this 24/7. I mean, Austin is a doctor and they’ve got a business to run. They’ve got a lot of things to do without going to study the tax law. So yes, absolutely get a qualified tax professional.
We have what’s known as a pay-as-you-go tax system, so we are supposed to be withholding taxes as we earn money. You can’t just wait until you file your taxes to figure out what you owe, unfortunately. And Sean, I think you discovered this.
Sean Pyles: Yes.
Liz Weston: To your distress earlier in your career.
Sean Pyles: Years ago, I was on the hook for a pretty big tax bill because I did not save as I went with my contractor money, and I did not enjoy it. So learn from me and put aside the money, pay quarterly. Yes.
Liz Weston: There you go. And a tax pro can help you figure out how much to pay each quarter so that you are what’s known as penalty proof. In other words, you won’t owe penalties for under-withholding. Once you know how much you owe each quarter, you divide it by the number of checks or payments or whatever that you expect to get in the meantime, and you set that cash aside. Then you pay before the deadline each quarter. It’s super easy to do online.
Sean Pyles: I don’t think we’ve ever covered so many disparate but interconnected and complicated topics in a single segment.
June, thank you so much for joining us and sharing your insights.
June Sham: Thanks so much for having me.
Sean Pyles: And with that, now let’s get onto our takeaway tips. Liz, will you please start us off?
Liz Weston: Yes. First, know your options. You may have a variety of retirement accounts available, including Roth IRAs, traditional 401(k)s, and self-employment options.
Sean Pyles: Next, plan for tomorrow, but live for today. Maxing out your retirement accounts is a great goal, but think about how you can balance that with nearer-term financial priorities like going on vacations or buying a house.
Liz Weston: Finally, tap professional help. Tax obligations as a business owner can be confusing. Consider hiring a qualified tax pro to help you sort out what you owe and how to pay it.
Sean Pyles: And that’s all we have for this episode.
Do you have a money question of your own? Turn to the nerds and call or text us your questions at 901-730-6373. That’s 901-730-NERD. You can also email us at [email protected] Visit nerdwallet.com/podcast for more info on this episode, and remember to follow, rate, and review us wherever you’re getting this podcast.
This episode was produced by Liz Weston and myself with help from Tess Vigeland and Meghan Coyle. Kaely Monahan and Kevin Tidmarsh mixed our audio. And a big thank you to the folks on the NerdWallet copy desk for all their help.
Liz Weston: And here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.
Sean Pyles: And with that said, until next time, turn to the Nerds.
Disney World and Disneyland are some of the most well-known landmarks in the United States. Even if you’re not a fan of its animated films, Disney’s property runs the gamut from Marvel movies to the Star Wars universe.
You’ll find characters from many of Disney’s hits at the theme parks, though exactly what rides you’ll encounter and whom you’ll meet will vary depending on where you go.
Let’s look at Disneyland versus Disney World, including tickets, resorts, locations and attractions.
The main difference between Disneyland vs. Disney World is …
Disneyland comprises two theme parks and three hotels, while the Walt Disney World Resort complex includes four theme parks, two water parks, 31 hotels and a golf course.
Disneyland vs. Disney World location
Disneyland is in Anaheim, California. It’s 35 miles from Los Angeles International Airport (LAX), though traveling to the park can take a while because of traffic.
If you’re flying in, there are other airport options in the Los Angeles area, including:
John Wayne Airport (SNA).
Long Beach Airport (LGB).
Ontario International Airport (ONT).
Walt Disney World, meanwhile, is in Orlando, Florida. Its nearest airport is Orlando International Airport (MCO), which is about 16 miles away from the resort.
Disneyland vs. Disney World theme parks
Disneyland and Walt Disney World have two very different vibes, in part because of the theme parks each contains.
Disneyland Resort
Disneyland is the first theme park Walt Disney opened, doing so in 1955. Inside, the park features nine distinct lands, all of which include different theming and attractions:
Disneyland lands
Adventureland.
Critter Country.
Fantasyland.
Frontierland.
Main Street, U.S.A.
Mickey’s Toontown.
New Orleans Square.
Star Wars: Galaxy’s Edge.
Tomorrowland.
Disney California Adventure is the second theme park within the Disneyland Resort. Just across the walkway from Disneyland, this park is home to a more adult atmosphere than its sibling. You’ll find bigger rides, such as a looping roller coaster and a drop tower, as well as far more opportunities for purchasing alcohol.
Walt Disney World Resort
Walt Disney World debuted in 1971, roughly 16 years after Disneyland’s launch. Clear across the country, Disney World is far larger than Disneyland — and its four theme parks reflect this.
Magic Kingdom: Built similarly to Disneyland Park, Magic Kingdom offers a central hub ringed by different lands. These are much the same and include Fantasyland, Adventureland and Tomorrowland, among others.
Epcot: The second of Walt Disney World’s parks, Epcot focuses on two things: world culture and the future. This can be seen from rides such as Mission: Space, which simulates a trip to Mars. It can also be seen via the World Showcase, whose 11 pavilions highlight global food and culture.
Disney’s Hollywood Studios: With a focus on the movie and film aspects of Disney’s property, this park has attractions such as Mickey and Minnie’s Runaway Railway, Toy Story Land and Star Wars: Rise of the Resistance.
Disney’s Animal Kingdom: A wholly unique park in that it blends live attractions, such as a safari, with more standard fare like roller coasters.
Walt Disney World vs. Disneyland tickets
Disneyland and Walt Disney World tickets start at a similar price range: Disneyland’s tickets start at $104 for a one-day ticket, while Walt Disney World’s tickets begin at $109 per day.
However, Walt Disney World tickets will vary in price according to demand no matter what type of ticket you’re purchasing; this is true for single-day and multiday tickets. For example, a four-day ticket for a visit in late August will cost $485.
At Disneyland, multiday tickets are a fixed price. You’ll be able to visit anytime and pay the same cost, no matter how busy it is. A four-day ticket to visit Disneyland costs $395.
Both theme parks offer annual passes, though a Disneyland Magic Key pass is more costly than one for Walt Disney World. For 2023, a top-tier Inspire Key Pass for Disneyland will run $1,599 — and that pass still includes blockout dates.
Walt Disney World’s most expensive annual pass is the Disney Incredi-Pass, which costs $1,399 and allows you access to all of its parks every day of the year.
Walt Disney World vs. Disneyland resorts
The Walt Disney World and Disneyland resorts have their own hotels on property. However, Disneyland’s options are much more scarce than Walt Disney World’s. Within Disneyland, you’ll find just three options from which to choose, with price points that vary based on luxury.
At Walt Disney World, there are a whopping 31 on-site hotels. All of these feature incredible theming — such as overwater villas — and also run the gamut for pricing depending on where you stay.
Is Disneyland or Disney World better?
Which is better, Disneyland or Disney World? The one you prefer is going to come down to the type of vacation you enjoy. Because Disneyland is so much smaller, it’s easier to pack more into your day. This also means it’s possible to explore everything within the Disneyland Resort within a couple of days.
Walt Disney World has twice as many theme parks as Disneyland but also has other activities, which means that if you’d like to thoroughly explore the resort, it can easily take you more than a week to do so.
Walt Disney World and Disneyland feature theme parks with rides, characters and classic Disney favorites, but at their heart, they’re distinct. Before visiting either of these theme parks, you’ll want to do some research to see which is right for you.
Disneyland is smaller, features fewer theme parks and hotels and costs less than Walt Disney World. Walt Disney World is a sprawling complex that encompasses four theme parks, more than two dozen hotels and other attractions to boot.
(Top photo courtesy of Disneyland Resort)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
While some people think of Walt Disney World as a place designed for kids, that’s not entirely the case. In fact, some parts of Disney World aren’t kid-friendly at all. The elegant, AAA Five Diamond Award-winning restaurant Victoria & Albert’s doesn’t allow kids under 10, and Jellyrolls — a dueling piano bar — is for vacationers 21 and up.
A trip to Disney World for couples or adult friends can be fun and worth taking. But even without kids to add onto trip costs, a Disney trip for two is not cheap.
The average cost of Disney World for two adults can easily top $4,000 for a seven-night trip, and that’s for frugal travelers. Couples who want to splurge on the fanciest rooms and restaurants, perhaps those traveling for a honeymoon or proposal — or those who simply want to travel in style — should budget at least $10,000 for seven nights.
A NerdWallet analysis sought to find out how much a trip to Disney World for two costs, accounting for line items across these four categories:
Park tickets (and add-ons, like Genie+).
On-property hotel room rates.
Food at park restaurants.
Add-on activities, like spa treatments and tours.
Because Disney offers options for a range of budgets, NerdWallet categorized the average cost of a Disney vacation for two into three price tiers: Value, Moderate and Deluxe (which is the same classification that Disney World uses for its hotels).
A frugal couple might be fine booking a Value hotel with minimal frills and only dine-at-counter service restaurants or carts. But other adults might purchase extras to improve the experience, like line-skipping privileges or larger rooms — all variations accounted for in the average price estimates listed below. Read more about NerdWallet’s methodology at the end of this article.
Here’s how much you should anticipate spending per day, per person (with hotel prices based on double occupancy), based on travel style:
One-day, one-park theme park ticket
One-night hotel room (Saturday night)
Individual meal
The average total Disney World cost for 2 adults
Here are NerdWallet’s estimates of a Disney vacation for two, broken down by travel style and length of trip:
Each Disney budget listed above assumes daily theme park tickets, three meals per day and overnight stays at a Disney-owned hotel with both travelers sharing one room.
Disney World ticket prices
Disney World ticket prices vary by park and date.
One-day Magic Kingdom Park tickets average $160, making it typically the most expensive of the four Walt Disney World theme parks. Magic Kingdom may be the most iconic and features romantic spots like Cinderella Castle (which might be ideal for a Disney proposal), but it’s also viewed as the most family-friendly park, which means more strollers to dodge.
Meanwhile, Epcot tends to be the cheapest Disney theme park — which is a plus given it’s often considered the best Disney World park for adults anyway. About half of the park is devoted to World Showcase, which consists of 11 mini subsections themed to a different country, including Norway, China and Morocco. Each serves up food and beverages (including alcohol), and some have rides, too.
Disney World price per person
One-day, one-park ticket advertised price range
$109 to $189.
Average one-day, one-park ticket price
Genie+ (add-on option for Moderate and Deluxe trips)
Starting at $15.
Disney World ticket prices drop the longer you stay. For example, five-day, one-park-per-day tickets average $643 (that’s $129 per day).
Optional Disney ticket upgrades include Lightning Lanes, which are priority queues for certain attractions, and Park Hopper tickets, which allow multiple park visits per day. Upgrades aside, here’s how much you should expect to spend on Disney tickets for two adults, based on number of theme park days:
Disney World hotels
The myriad of Disney-owned hotels offer options across price points. They range from Disney’s All-Star properties — which start at $128 per night, according to Disney trip planning website Touring Plans, and are considered Value properties — to Disney’s Grand Floridian Resort & Spa, which starts at $780 and is one of the most expensive Deluxe hotels.
Specific room rates vary based on check-in date and specific property, but here are average prices broken down by type and trip length, according to NerdWallet’s analysis:
Three nights
Seven nights
Even Disney’s cheapest hotel rooms are more expensive than what you might find elsewhere in the Orlando area. The average daily room rate across Orlando is just $186.49, according to Visit Orlando’s 2022 Travel Industry Indicators. That’s about 35% less than the $286 average price for the cheapest Disney resort.
Disney World food
NerdWallet researched average meal prices to find an estimate for the Disney World cost of food. Value meals consisted of an entree and drink, while meals placed in the Moderate or Deluxe tier (all served at table service restaurants with waitstaff) also included either an appetizer or dessert.
Here were average Disney World meal prices per person, based on restaurant tier:
Other activities and expenses
NerdWallet’s calculations did not factor in miscellaneous items and souvenirs, which you might want to account for when estimating your own trip to Disney World.
But NerdWallet’s seven-day trip estimations did consider other entertainment and activities, which are add-ons that Disney refers to as its “Enchanting Extras Collection.” They include scuba diving, golf lessons and dessert cruises aligned to sail during the fireworks. (NerdWallet did not add the costs of these extras for shorter trips, given that most people would be devoting their time to the theme parks).
Someone seeking a behind-the–scenes tour on a budget might book the $35, one-hour Behind the Seeds tour that takes you into Epcot’s fish farm and greenhouses. Longer and more expensive tours include the Animal Kingdom’s $199 Wild Africa Trek tour, which involves three hours of hiking, off-roading in a safari vehicle and traversing a rope bridge.
For couples taking seven night trips, here’s how much extra NerdWallet estimates you should budget for Disney World extras (for two people):
Value: $284.
Moderate: $443.
Deluxe: $911.
While not everyone will opt for these activities, many adult travelers might incorporate Disney Enchanting Extras in their budget for Disney World.
How couples can visit Disney World on a budget
Couples should expect to spend a minimum of $700 if staying on Disney property for one night and visiting the parks for one day.
For three-night stays (and two theme park days), costs inflate to a minimum of $1,800. And for seven-night stays with five theme park days, expect the trip to cost at least $4,000 if you’re low-frills. However, you might spend more than $10,000 across seven nights if you vacation like you’re keeping up with the Joneses. And that’s all before accounting for the cost to actually get there.
Here are some strategies for couples planning a trip to Disney World on a budget:
Book Disney Good Neighbor Hotels, which are hotels owned by other large hotel chains. Cash rates are typically cheaper than those at Disney’s own hotels, and they can sometimes be booked for free (assuming you have hotel points earned through frequent stays or credit card rewards).
Commit to Disney’s free mass transit. While families might require a rental car to use their own car seat, adults can get away with relying solely on Disney’s extensive transportation network of boats, monorails, buses and gondolas, which are free to use.
Don’t be afraid to order the kids’ meals. Particularly if dining at a counter-service restaurant, no one will know if you’re ordering a kids menu item to be consumed by an adult.
Methodology
To better understand what an average trip to Disney World for two adults costs, NerdWallet gathered more than 200 ticket prices, 550 Disney-owned hotel room rates and 100 additional activities and restaurant prices between April 2023 and April 2024. NerdWallet aggregated those figures to build sample trip budgets based on travel style and trip length and ultimately to determine how much a Disney trip for two costs.
NerdWallet’s trip costs start once you’re on property, thus don’t account for parking, airfare or driving costs. Here’s what’s included in each price tier:
Travel style
A budget-minded traveler seeking affordable options, few frills and little to no add-ons.
Someone price conscious but who occasionally splurges.
Someone who will pay top dollar to access the high end of what Disney offers.
Tickets (Disney World)
One-park-per-day tickets.
One-park-per-day tickets with Genie+.
One-park-per-day tickets with Genie+.
Hotels (Disney World)
Overnight at Disney’s Value hotels.
Overnight at Disney’s Moderate hotels.
Overnight at Disney’s Deluxe hotels.
Daily meals (Disney World)
Three meals (one entree and one beverage) at Value counter service restaurants or food carts.
Two Value meals plus one Moderate meal (one entree, one dessert or side and one beverage) at a casual, table service restaurant with waitstaff.
One Value meal, one Moderate meal plus one Deluxe meal at an upscale, table service restaurant with waitstaff.
Extra activities (Disney World)
Value add-ons, like cheap seats at Disney World’s Cirque du Soleil show or a lower-budget spa treatment (like an express pedicure).
Moderate add-ons, like central seats at Disney World’s Cirque du Soleil show or a grand pedicure at the spa.
Deluxe add-ons, like front-row seats at Disney World’s Cirque du Soleil show or a full-body massage at the spa.
Stateroom type (Disney Cruise Line)
Standard Inside.
Deluxe Oceanview.
Deluxe Oceanview with Verandah.
Daily meals (Disney Cruise Line)
No extra meals added.
One additional meal at Palo.
One additional meal and wine pairing at Palo.
Extra activities (Disney Cruise Line)
No extra activities added.
Moderate add-ons, like a spa day pass or snorkeling excursion.
Deluxe add-ons, like a spa day pass with massage or scuba excursion.
Because Walt Disney World ticket prices vary by park, one-day ticket prices were based on Magic Kingdom admission. Two-day ticket prices were based on Magic Kingdom and Epcot. In addition, NerdWallet’s analysis did not account for Park Hopper tickets, which allow access to multiple theme parks per day.
And of course, these budgets for the average cost for a trip to Disney should be used to estimate — rather than determine — your own Disney trip costs. Couples who pack their own snacks might spend less on Disney food. Meanwhile, those using their Disney trip as a shopping spree should account for souvenir costs, alongside other potential extras like PhotoPass.
(Top photo courtesy of Walt Disney World)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
At some point, many city dwellers realize they’ve had enough of the tiny, exorbitantly priced apartments, the noise and gridlock, the angry drivers, and the packed sidewalks. They find themselves longing for a simpler life—perhaps even putting down roots in small-town America, where they’re not always in a rush and a walk through town is sure to include at least a few friendly faces.
As you’ve probably heard, small- and medium-sized communities, farther from the country’s historic coastal population centers, have had quite a housing renaissance in the past few years. While mortgage rates were near zero and workers had more flexibility to work remotely during the COVID-19 pandemic, many descended on pretty, tranquil, formerly affordable, smaller towns—and that caused some prices to skyrocket.
But here’s the news: It’s not too late to trade in big-city bustle for small-town serenity without busting your budget. The Realtor.com® data team found America’s most affordably priced, small towns that also have lots to offer residents. These aren’t just nice places with low-priced real estate. These are places where you might actually love to live.
“I drive down the street and see 10 people I know,” says Kelsey Janssen, a Realtor® and associate broker at Coldwell Banker Town & Country Realty of Kearney, NE, one of the top spots on our list. “Even people who don’t know you wave here.”
Janssen says she has clients who have come from California, or neighboring Colorado, and they’re blown away by how friendly everyone is—on top of how much more affordable the homes are.
Some of these smaller communities have carved a niche for themselves, whether it’s live music, like in Branson, MO, or the old-world German charm of New Ulm, MN. Each has a different flavor.
To find these desirable small towns, the Realtor.com data team looked at real estate in every U.S. “micropolitan area,” the collection of counties with a population between 10,000 and 50,000. (With the surrounding areas included, a micropolitan area can technically have a population as large as 200,000, but we’re focusing on the core town within.) Then we pulled together U.S. Census Bureau data detailing the dining, entertainment, recreation, and quality-of-life business establishments in the area, and calculated their rate per 100,000 residents. We ranked the towns using an equal combination of those categories, as well as home list prices.
We limited our list to places where the median list price per square foot is less than 150% of the national average, and we selected only the highest-ranking micropolitan area in any given state, to ensure geographic diversity.
Here’s our list of the most affordable small towns with big quality of life.
Median list price: $159,250
Our No. 1 affordable small town with lots of big-city appeal is Cortland. The residents of the town in central New York have quick access to some larger cities, sitting about 35 minutes north of Ithaca and 45 minutes south of Syracuse. And the median list price is just about one-third of the national median in May. You get a lot for your money here.
Cortland, which has a history dating to the late 18th century, is surrounded by tree-covered hills, which transform into a patchwork of orange, gold, and crimson in the fall, which sets the mood for the annual Great Cortland Pumpkin Festival.
“The community events are just wonderful here,” says Jason Hage, a local real estate broker at Hage Real Estate.
“You’ve got the Pumpkin Festival and also the Homer Fireman Field Days. We have two or three parades a year,” he adds. “Every Wednesday night from June through August, we have Music on the Green at the Homer elementary school. It’s such a cool thing to be able to hang out there with your neighbors and check out live music.”
Cortland, like any good small town, has a Main Street dotted with restaurants, bars, coffee shops, vintage boutiques, and tattoo parlors. Other local attractions that boost Cortland’s small-town bona fides include the Cortland Repertory Theatre, offering up a range of performances, and The 1890 House Museum, where residents can learn about the town’s history and architecture.
For the more adventurous Cortlanders, Greek Peak Mountain Resort is where to go for downhill skiing and snowboarding, as well as snowshoeing and cross-country skiing—and it’s only 15 minutes outside of town.
Median list price: $384,450
Located in the heart of the Midwest, Kearney is about 2.5 hours west of Omaha and 2.5 hours east of the Colorado state line.
Kearney (rhymes with “Barney”) began as a historic Army outpost, founded in 1848, along the Oregon Trail. It became an important stop for those wagons driving west during the expansion of the U.S.
Now, “it’s just one of the best places to live,” says Realtor Janssen,
She tries to tell people moving to Kearney not to be alarmed when people they don’t recognize wave at them, she says. “That’s just how friendly people here are.”
There are hiking and biking trails, parks, golf courses, and white water rafting on the Platte River bordering Kearney to the south. There are also affordable homes for sale.
A three-bedroom home on the edge of Harmon Park, just a few minutes from downtown Kearney, is listed for $189,000.
Median list price: $320,000
Branson is a lake lover’s dream. It snagged one of the top spots of the Realtor.com annual list of the nation’s most affordable lake towns for four of the past five years. The town is located in the southern Ozarks, just a little north of the Arkansas border.
The area is known for its mountainous terrain and the large bodies of water nearby, Table Rock Lake and Lake Taneycomo. The lakes were created by the sort of dams that came to typify this section of the country in the 20th century. Lake Taneycomo came first with Powersite Dam in 1913, and the much larger Table Rock Lake Dam was constructed in the 1950s.
Branson ranks the highest among all our towns in the Census Bureau’s “amusement, gambling, and recreation” industries, as the town has become a hub for tourism and live music.
The Dutton Family Theater, Clay Cooper Theatre, and Presley’s Country Jubilee all offer something for music lovers in the area. But crime is higher in the area than in the other small towns, according to AreaVibes.
Buyers here can enjoy lower home prices, as properties in the Branson area are priced about 25% below the national median. This two-bedroom, one-bathroom house is for sale at $145,000.
Median list price: $257,450
Sandusky is another popular lake town that made it on our list. Perched on the edge of Lake Erie, about midway between Toledo to the west and Cleveland to the east, the town has plenty of restaurants and bars downtown and along the thriving waterfront.
One of the most popular attractions is the iconic Cedar Point Amusement Park, which sits on a peninsula that juts into Lake Erie, offering unparalleled views from the top of the park’s 16 world-class roller coasters. In fact, Cedar Point is known around these parts as “The Roller Coaster Capital of the World.”
History buffs can soak up exhibits on shipbuilding, shipwrecks, and pirates at the Maritime Museum of Sandusky.
Homes in Sandusky are about 35% less expensive than the national median. Buyers can check out this three-bedroom, two-bathroom for $210,000.
Median list price: $127,425
Of all of the places on our list, Galesburg is the cheapest, with prices 70% below the national average. That’s after about a 25% appreciation compared with before the pandemic, without any real slump in prices over the past year of mortgage interest rate hikes.
This small town is located in the western part of the state, about an hour south of Davenport, IA.
The town has a rich history, having been established in 1837 by abolitionists from New York. It’s named after George Washington Gale, a Presbyterian minister who helped lead the local anti-slavery movement and aided in the escape of fugitive slaves, and it became a stop on the Underground Railroad.
While crime here is higher than the national average, the local economy is relatively diverse, with BNSF Railway, Knox College (also established by Gale), and the local OSF HealthCare hospital topping the list of the area’s main employers.
Buyers can snag a three-bedroom, one-bathroom ranch for just under $80,000. Or they can “splurge” on a three-bedroom, 2.5-bathroom home on the market for $185,000.
Median list price: $287,900
In the northeast corner of South Dakota, Aberdeen is known for its prairie landscape, dotted with parks, lakes, and creeks. The Mina Lake Recreation Area is where locals can find boating, fishing, and camping opportunities.
There are plenty more perks. Aberdeen is home to Northern State University, a small public university, and Presentation College, a private Catholic college. On the northern edge of Aberdeen is Wylie Park, which has “Storybook Land,” a theme park based on storybooks and fairy tales. There’s also Wylie Lake, a minigolf course, bumper boats, and go-karts.
Plus, real estate here costs about half the national average. This three-bedroom, two-bathroom ranch is listed at about $240,000.
Median list price: $280,000
In 2022, Rutland ranked high on our list of great ski towns with homes regular people can afford. It’s just 25 minutes from one of the largest ski resorts on the East Coast: Killington, known as the “Beast of the East.” But homes are about half of what they cost in Killington, VT, at the base of the resort.
Rutland has lots more to offer as well. In the warmer months of the year, the Green Mountains to the east and the Taconic Mountains to the west offer an abundance of hiking and biking trails. The town has a quaint Main Street, dotted with shops and restaurants.
And as this town, like many in the upper Northeast, turns from deep green to burnt umber and red in the fall, Rutlanders can attend the nation’s longest-running Halloween parade (that’s what the locals maintain).
Rutland homes are priced about 35% below the national average, so buyers can still find deals. This three-bedroom, one-bathroom house is for sale for $215,000.
Median list price: $202,450
Iron Mountain is no stranger to our most affordable small towns list. Located on Michigan’s Upper Peninsula and straddling the Wisconsin border, this is our northernmost affordable small town. Homes here cost about 40% less than the national average per square foot.
The area ranks the highest for museums and historical sites, a reflection of the area’s history of mining. Iron Mountain was established during the mining boom of the late 19th century.
Residents can soak up the history at the local Mining Museum, located at the Chapin Mine Steam Pump Engine, a national historic site dubbed “The Cornish Pump.” At 60 feet tall, it’s the largest reciprocating steam-driven engine built in the U.S., created to keep water out of the mines below.
The town is also a regional center for outdoor tourism, including hunting, fishing, and skiing. The Pine Mountain Ski & Golf Resort is located on the northern edge of Iron Mountain, with a small downhill ski mountain and the relatively well-known Pine Mountain Ski Jump, which hosts International Ski Federation competitions.
Median list price: $267,400
Sitting in the Minnesota River Valley, about 90 miles southwest of the Twin Cities, New Ulm is the smallest of any place on our list and one of the most distinct.
New Ulm was founded by German immigrants in 1854, and the German heritage is unavoidable. Classically German half-timbered “Fachwerk” architecture can still be found across the town. New Ulm’s downtown gets a full transformation for Christmas, and the town’s Oktoberfest is a destination for anyone looking for an authentic experience. There’s even a 45-foot glockenspiel, whose chimes can be heard throughout the town during the day, and which is adorned with a rotating stage with figurines depicting characters from the town’s history.
Flandrau State Park, on the southern edge of New Ulm, is where the town’s residents can go for swimming, camping, hiking, or just lounging on the beach.
This century-old, two-bedroom, 1.5-bathroom house has been updated and is on the market for about $215,000.
Median list price: $559,000
Last on our list—and with the most expensive real estate—is Taos. Housing prices here are about 40% more than the national average per square foot, but the area’s museums, historic sites, as well as a devotion to arts and culture earn it a spot on our list.
This small town is rich with Native American culture and Spanish colonial history. The Pueblo de Taos, about a mile north of the modern town, is an ancient dwelling of the Puebloan people who inhabited it for hundreds of years before colonists arrived. It’s estimated to have been built between A.D. 1000 and A.D. 1400, and it’s designated as a UNESCO World Heritage Site.
More recently, Taos has become synonymous with high-desert tourism, recreation, and leisure.
Taos sits at almost 7,000 feet elevation, at the base of the Sangre de Cristo Mountains, where residents and tourists can quickly access hiking and biking trails in the summer and snow sports in the winter. It has become one of the Southwest’s outdoor activity hot spots, year-round.
“People have known us for the skiing and the snowshoeing,” says Ryan Trujillo, an associate broker at Berkshire Hathaway HomeServices in Taos. “But now it’s also whitewater rafting, kayaking, and other water sports.”
Florida has a special place in many people’s hearts. You’ve got the beach, the weather and the laidback vibes that fill the state. Among all the popular Florida cities, Orlando is one that tends to stand out. Not only is it more affordable than some other Floridian cities, but it also has a strong job market and plenty of entertainment options. Those are some pretty good reasons to move to Orlando.
So, if you’re a fan of a certain celebrity mouse and are ready to call The Sunshine State home, consider Orlando.
1. You can probably afford to live here
Although not everywhere in Orlando is cheap, the overall cost of living in the city makes it a pretty affordable place. While rent is a little on the high side, expenses like healthcare and utilities sit below the national average.
When it comes to housing, the rental market is seeing slight increases over last year and average rents are on the higher side when compared to other cities in Florida. In Orlando, the average one-bedroom rent is up 8 percent at $1,793 per month, while two-bedroom rent is up 11 percent at $2,215 per month.
2. The neighborhood selection is sweet
Orlando is a great place to live because you have options. There are plenty of neighborhoods that have housing, entertainment and the overall quality of life you’re looking for. At almost any price point, there’s an Orlando neighborhood for you, but some of the favorites include:
Park Lake / Highland is full of bars, restaurants, coffee shops and parks. It’s located a little north of downtown and is a big draw for young professionals.
To the south, Thornton Park is an eclectic and chic part of Orlando. Here you’ll find a local farmers market, regular art and wine walks and a tight-knit community that likes to throw a block party.
On the east side, Audubon Park is perfect for nature lovers who want a thriving, like-minded community. Here, you’re encouraged to grow your own food, and even plant fruit trees in your yard. The neighborhood also has excellent shopping.
For those who want to live near the theme parks, Park Central, on the west side of town, is a gated community, conveniently located to public transportation for easy mobility
These neighborhoods all surround Downtown Orlando, which also draws in its share of residents. This is the central business district of the city, but it’s also known for its nightlife, festivals and access to cultural activities.
3. There’s a lake in the middle of Downtown
You may think about the beach when picturing your future home in Florida, but when it comes to Orlando, it’s all about the lakes. There’s even one smack in the middle of downtown.
Lake Eola is the perfect water feature to have in your backyard. You can rent swan boats to paddle through the water, catch a concert at the amphitheater or simply enjoy the flowers and the Orlando skyline. You can also walk around the entire lake easily. The path is a 0.9-mile loop.
If you’re looking to live right on the lake, check out listings in Lake Eola Heights.
4. Sun, sun, sun
Yes, the summers are long and hot. Temperatures can climb into the 90s, and you don’t have that ocean breeze to cool things down. But, the city gets more than 300 days of sunshine per year, and the average high is only 82 degrees Fahrenheit.
Winter is short (and sunny) and the coldest month is usually January, where average temperatures drop to a “whopping” 72 degrees Fahrenheit.
5. Hospitality, technology and business
Three major industry hubs in Orlando provide ample jobs and career stability. Although hospitality is at the top, with employers like Disney and JetBlue, you can also find opportunities elsewhere.
There are plenty of jobs in the educational field, and it’s quickly becoming a popular location for startups. EA Games and other tech employers are also bringing in a savvy crowd, creating even more opportunities.
This level of potential when it comes to employment puts the median household income in Orlando at a solid $55,183.
6. No state income tax
Once you settle into that perfect job, you won’t have to worry about the amount of money getting taken out of your paycheck. Florida is a zero-income tax state, which means working in Orlando puts more money into your pocket.
Even better, there’s a relatively low sales tax rate, so when you do spend money, markups are lower. Florida itself has a six percent rate, and Orlando only adds a little bit to this minimum, raising the local sales tax rate to 6.5 percent.
7. The ‘Happiest Place on Earth’ is right there
Calling Orlando the city of theme parks, while not an official nickname, isn’t wrong. Access to so many parks is one of the prime reasons to move to Orlando for those who like to spend their weekends on rollercoasters or singing “It’s a Small World After All.”
Within miles of each other, you’ve got Disney World, Universal Studios and SeaWorld. Less than an hour away, in Winter Haven, you also have LEGOLAND Florida.
Even better, most parks provide discounts for Florida residents, so you can visit the parks even more often. Disney, for example, has a resident Disney Pixie Dust Pass, that’s only a little over $400 per year.
8. You can go to Gatorland
Technically another theme park, this special place is unlike those better-known spots. Gatorland, the self-dubbed “Alligator Capital of the World,” is home to alligators and crocodiles of all sizes and ages. There’s even a group of rare white gators.
In addition to the reptiles, Gatorland sports an aviary, petting zoo, animal shows and a few rides. It’s real fun, Florida-style.
9. So many pro sports teams
Having multiple sports arenas in the downtown area alone makes a big statement that Orlando cares about its athletic teams. You’ve got the Orlando Magic when it comes to professional basketball and the Orlando City SC and Orlando Pride pro soccer teams. Even hockey happens in this warm state — Orlando has the Solar Bears, a member of the ECHL hockey league.
College sports are big here, too, and many locals like to cheer on the University of Central Florida Knights
10. Festivals happen on the regular
Who doesn’t like a celebration? Orlando locals love them so much that there are festivals happening almost on a weekly basis. You’ll need a separate calendar just to keep track of them all, whether they’re big and well-known or small and special.
Some favorites include:
The Orlando Fringe Theatre Festival
The Zora! Festival
Epcot International Food & Wine Festival
Orlando Whiskey Festival
Dragon Parade Lunar New Year
Festivals celebrate cultures, holidays, music and food and drink, making it possible to honor just about anything with a city-wide party.
11. Museums, galleries and gardens galore
Theme parks are most definitely great, but Orlando is also home to a wealth of museums, art galleries, theaters, gardens and historic homes. If Mickey and Minnie aren’t your things, spend your time immersed in art, culture and natural beauty.
When it comes to museums, you can visit the Orlando Science Center or The Orlando Museum of Art. Both the Mennello Museum and The Charles Hosmer Morse Museum celebrate American Art, while the Hannibal Square Heritage Center focuses on Florida’s African American communities.
For a taste of the local scenery, walk through the Harry P. Leu Gardens or the UCF Arboretum. The trail system in the Tibet-Butler Preserve winds through the region’s major habitats, including a cypress-lined lakeshore and longleaf pine forest.
12. Pie, fresh fish and Florida citrus, oh my!
There are so many delicious reasons to move to Orlando, and most of them involve fruit. There’s the key lime pie, Meyer lemons and anything made with oranges. Beyond that, local cuisine includes fresh stone crab, conch, grouper and almost anything you can pull out of the ocean.
For a real local treat, make sure to grab a Dole Whip on a hot day. This is a Disney World staple, but its pineapple-y, frozen goodness has turned it into one of Orlando’s iconic foods.
High-end restaurants and local dives alike will all have their take on Orlando’s signature foods, meaning you can get fresh fruit and fresh seafood at any price point.
13. Public transportation is an option when needed
While not a highly walkable city, Orlando does make it possible to get around to certain places without a car, potentially saving you a little money when it comes to transportation.
You can ride the LYNX busses which go through a large number of neighborhoods, and make a few Disney-adjacent stops. If you’re just focused on getting around the downtown area, you can hop on the LYMMO. For longer trips, SunRail is an electric commuter rail that runs through Central Florida.
All of these options, and no need to find parking? Yes, please.
14. You can go to the beach whenever you want
Even though Orlando isn’t on the coast, the closest beachfront is only an hour away. You can shoot down to Cocoa Beach when you need to catch some rays and hear those soothing ocean waves. It’s the closest beach to Orlando but not your only option.
Also about an hour away from Orlando are New Smyrna Beach and Flagler Beach, two picturesque destinations for a break from the city.
15. You’ve got road trip options
Orlando is also perfectly located within Florida to make road tripping easy. You can hop in the car any weekend and explore other cities for the day. Some of the closest stops are:
St. Augustine for the Fountain of Youth
Daytona Beach for a little race car action and some fun in the surf
Fort Lauderdale for a little high-end fun
Tampa with its eclectic food and drink scene and its own collection of theme parks
There are also plenty of state parks just a short drive away, including Blue Spring State Park where you can have a close encounter with a manatee.
Making the move to Orlando
It’s easy to see why Orlando is such a popular place. With so many reasons to move to Orlando, how can the city not top your list of options? From a reasonable cost of living to more fun than you can shake a stick at, this is the sunshiny paradise that will make almost anyone feel like they hit the hometown jackpot.