I would start saving now. Not necessarily the "eat ramen and sell plasma" kind of savings, but as others have stated, if you can put away even a small amount each month, it will add up, and you can have a pleasant trip without resorting to ramen and selling plasma. It's easy to put any "windfall" money into the trip pot, from a found $5 bill to coupon savings or other unexpected cash, no matter how small the amount. You could even ask for Disney gift cards for birthdays and other occasions. My DD23 is planning a trip to Mexico in August, and she already asked, for her June birthday, if we'd give her $100 towards some special, 10-course meal she wants to enjoy while there. The rest of her trip will be super-budget, so I'm happy to provide a splurge.