I can easily afford to buy into the DVC. Am married, no children, no debt. I love all things Disney, DH tolerates it. I have averaged one trip per year since my first trip to WDW in 1999. Some years I have gone twice. I have stayed at all level of resorts, but my #1 choice is Wilderness Lodge. Even with all the above, I still don't know if DVC makes economic sense. My understanding is that it will cost me $12,900 to buy ($86 point at SSprings until 1/20/07) a 150 point contract. I also understand I will pay a minimum of $4.12 a point for maintance fees per year or $618 in annual dues. Most have stated it takes 6-8 years to break even. I typically spend 5-6 nights on each trip. I will presume I can take a 6 nite trip each year on 150 points. Therefore, my after six years, I will have spent $12,900 for buy in and at least $618 a year or $3,708 for a total of $16, 608. So my six vacations would cost me $2,768 per vacation (16,608 divided by 6). Is this correct? I understand it will get less costly less year. For example, at year 10 the cost would be $12,900 + 6,180 = 19,080 or $1,908. But it still seems like a lot of money up front. Especially since I have been able to go on trips where I split the cost with a relative or have received a good deal by buying an Annual Pass. Am I missing something? Is my math wrong? It could be since math was always my worse subject. Any thoughts would be appreciated.