Is the dining plan worth it?

JocoTeach

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I'm planning a trip to Disney World soon.
Is the dining plan worth it, or should we pay out of pocket, as we want to dine at Chef Mickey in the Contemporary and Cinderella's Royal Table in Magic Kingdom?

The dining plan requires extra credit for character meals, making me wonder if it's worth it.
 
Thanks for asking your question, @JocoTeach , I know a lot of folks wrestle with this exact question.

The dining plan does make things easy when planning your vacation.
When we run the calculation for most people and even try to "beat the Disney dining plan" to come out ahead, we find that it's better to pay out of pocket for most use cases.

Does your family plan to consume A LOT of food? Do you have young children? If so, I would consider not purchasing the dining plan. Make those memories with the characters, and enjoy your trip without always being tied to ensuring if you're using all your credits up.

In Vegas, the house always comes out ahead; in this case, the house of the mouse comes out ahead when you purchase the dining plan.
 
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