Is a crewed yacht charter worth it, according to Reddit?

According to Reddit, a crewed yacht charter is worth it — with two loud caveats: choose a catamaran over a motor yacht at mid-range budgets, and leave the toddlers at home. In a 160-comment r/fatFIRE thread, one family books a BVI week with captain and cook for about $30,000 plus a 20% tip, while former crew argue “you can get more bang for your buck with a sailboat.” The budget math repeats across comments: add roughly 25% APA on a catamaran (40% on a motor yacht), then 15–20% gratuity. On kids, ex-crew are firm — wait until the youngest is six or older, and rig safety netting. A vocal minority skips the boat entirely while kids are small and rents a staffed villa instead, which is exactly why the wait-until-six advice keeps repeating. Compare the numbers in charter vs. luxury resort.