You are really young - what are your "non-Disney" life plans. Kids? If you have kids will you go from two incomes to one? With kids what are your hopes for them - college? Kid get to be expensive. Career advancement? - will that mean grad school? Or relocation overseas? Will career advancement mean that you might be in the position of cancelling vacations because "I can't take time off, its a crunch, and if I want that promotion...."? Anything else? Look at your whole life picture and make sure that the commitment that DVC brings is going to fit. If you can't plan in advance because you might be deployed, or you might be taking a job in Switzerland and using your vacation time to visit family stateside - it can get hard. Or if you can afford DVC now, but its going to be a big stretch with daycare expenses and investing in a 529 and paying ice time for hockey - it might not be the best long term decision. People's lives change a lot - at at 21 and 23 you'll likely see a lot of change in the next decade or fifteen years.