My wife and I bought a 200 pt contract about 18 months ago. We traveled twiced and borrowed from our 2014 UY pts. We thoroughly have enjoyed our membership and the opportunity to stay at the villas. Lately, with the decrease in supply of resales and increase in resale prices, we decided to list our contract for sale. We recently sold our points for a 70% ROI. We still love DVC but couldn't let this opportunity to flip pass up. We still plan on renting and, once resale prices go back down (be it 1 year or 5 years) we'll reevaluate and possibly purchase again. I'm not encouraging buying DVC with the intention to make a profit. I've always viewed DVC as prepaid vacation with no residual value. However, maybe our situation is similar to a few others and if you can still utilize a combo of renting points (for those 'nice' vacations) and staying during promo times (for those studio times), maybe it is at least worth a discussion with your significant other.