Hi all.
Thank you so much for all of your help and advice so far (what a great first induction to mumsnet)! I hope I can trouble you for a little bit more help. I have written out what I am going to send to my family. I would usually do this by phone or at least in an individual message, but our family strangely primarily communicates by a large group messenger. I know most of you will think this is odd and a bit impersonal - but please know this is the norm (we're odd, I know)!
I'd be extremely grateful if you could provide any thoughts or editorial notes on the below. (Extremely hoping no one in my family uses IABU on Mumsnet!! 
Hi everyone.
Sorry for what is a long message, but I’d tie myself in knots if I didn’t say all this. I hope you don’t think I’m being unfair, morbid, or selfish with any of this.
Firstly, I’m sorry but I’m going to decline the very generous offer to come on holiday with everyone to Florida. It really is the adventure of a life time and I can’t even believe as I’m typing this that I’m saying no. I’d love nothing more than to spend two weeks with you all experiencing Disney magic and making lifetime memories.
My manager approached me this week and asked me whether I would like to be considered for a job as [REDACTED] starting in September when I [REDACTED]. I know [REDACTED] doesn’t sound like much, but it is quite a prestigious and high-profile role to have and is known as a career making opportunity. You basically get to spend all day every day [REDACTED]. It’s an incredibly difficult role to get and to even be considered your manager must approach you to tell you they think you are suitable (which is very rare!) and then they must endorse you to apply. Most managers rarely make more than 1 endorsement a year.
Because this starts in September, I asked my manager whether the annual leave I had booked would be an issue and the short story is that yes it would. Because it is such a time-sensitive and high-profile role, it is unlikely that they would accept me if I had to take even 5 days off in the first month: even if I was the best candidate. They would probably just default to 2nd best who could start on 2nd September with no breaks.
This really is a huge career opportunity for me and could really shift my trajectory to the next level. Most people that work in [REDACTED] go on to reach the most senior roles in their career.
I am so grateful for the invite to attend [aunt] and you have been so generous to invite us all. It has been a tough decision to make and I have been wracked with guilt and felt so bad considering this over the past few days.
Another thing I just wanted to say is that I think you should really stop and take stock about whether this holiday is definitely what you want to do and whether it is a realistic and sensible thing to be doing. I know it is the holiday of a lifetime, but I think we have been very rushed in booking lots of separate elements without sitting down and really thinking about different outcomes and costs. I have already mentioned this a few times but we have still pressed on with the booking. I hope this is an opportunity to sit down and really think. Please know I don’t mean any of these to be upsetting or offensive, I really want to make sure we’re weighing up the options:
• What if you aren’t well enough to travel in September? I appreciate it is only a few months away, but things can change very quickly and you may just not be up to it. It would be an awful situation if people were faced with the choice of going without you or losing all the money spent.
• What if the worst happens? You are at an increased risk for DVT which long flights really exacerbate. Rollercoaster rides also increase the risk of strokes and the chance of you having a stroke whilst on a ride is probably quite high. There are so many things that could go wrong medically whilst you are abroad. It’s similar but not as extreme for granddad. You will be far from home in a country with a very unforgiving medical system.
• What happens if you must be rushed into hospital when you are out there? California has filial responsibility laws which means family members can be directly liable for medical costs if you cannot cover them yourself. The USA have recently been preventing people from leaving the country if they have outstanding medical debts. Are you prepared for this eventuality? Even medical insurance likely will not cover the full cost if there is a pre-existing condition.
• Hospitalisation in the US can easily run into hundreds of thousands and even millions of dollars (not exaggerating) and it’s unlikely any insurance will cover this.
• As you’re experiencing now, insurance is going to be hard to get. I strongly advise that, if you do decide to go, you declare everything and just pay the cost of the insurance. The alternative simply isn’t worth imagining. There’s no point getting basic cover because it will be invalidated by not telling them about pre-existing conditions.
• Is everyone else prepared for what this is going to cost? I know you are all planning to try and budget for this, but it is going to be expensive whatever you try to do. Everything in the parks is going to be expensive, all the extras are going to be expensive. I think you will very quickly rack up costs that become simply unaffordable. Me and [Partner] had a chat about this and we had doubts about whether it was financially doable for just two of us with no kids, pets, or any extras (even with [aunt] kindly paying for a lion’s share!)
• Everyone with criminal convictions [redacted names] you also really need to consider if it is worth the risk. I know for all of you it was a while ago or you were young, but they are all also violent crimes which the US is very harsh on. Is it worth the risk of travelling and having to turn back?
• There are probably lots of risks that I haven’t even thought of that can arise: but I really think this is an ambitious idea that needs some proper road-testing and consideration.
I know lots has been booked already, but now really is the opportunity to stop and take stock of all these thoughts and decide whether you want to progress with this. Things that are advertised as non-refundable often can be refunded in some way (maybe with a small cost attached), and emphasizing your medical condition may make this easier to do.
If you are going to continue, I really recommend that you stop paying for anything else until each expense is properly planned. You need to create an excel document or tracker and plan all your remaining costs extensively before booking anything. Once you have got everything on paper you can make an informed decision about how much it is going to cost [Aunt] and how much it is going to cost everyone as an individual. This piecemeal approach will just continue to raise surprise costs and everyone’s budgets will be smashed out of the water.
I’m sorry that I am saying now this: I appreciate it is probably not what lots of you want to hear. I am also sorry that I didn’t fully raise all of this sooner. I know I’ve mentioned along the way a few of these, but I should have been much sterner from the start. I’m not saying any of this out of negativity or because I don’t want you to go: I just want what is best for everyone.
It’s not too late to switch up our plans. I still think a holiday to Spain, France, or even somewhere in the UK in the summer (Cornish seaside?) would be lovely and be much less expensive and risky for everyone involved. We could organise it in the coming summer months so it is less likely you will end up feeling worse or unable to travel and we all will be able to come!
Ultimately, though, it is up to you what you decide to do. It’s your money and you are free to spend it how you like – you’ve worked hard enough to earn it! If you do decide to carry on with Florida, [partner] and I are more than happy to help you set up an excel doc or some budget predictions and try to model what the remaining costs to you and all individuals will be. If you decide to cancel, I will spend as long on the phone as I need to get as much of your money back as possible. If you want to organise a different trip closer to home, I’m happy to sign up to do all the organisation and planning and take as much stress away from you as possible.
Please do know that I’m only saying this because I want what is best for everyone. I love you all very very much and I want you to have the best time you can have. In my eyes, it isn’t important where we go or what we do, it’s only important we do it together.
[NAME]