do NOT borrow money or sacrifice long term investments to make up your trip. Yes you only live once, but making the hard choices and staying the course with financial discipline will reward you much longer, you never know what else can happen. downgrades or rebooking last minute if you still plan to go are solid options, along with skipping an excursion, etc. Disney isn't going anywhere
This right here. I know all of our friends would absolutely understand if we couldn't make a planned vacation due to finances not working out as expected. If they don't understand, they aren't your friends!