Okay. I'm an artist. The right side of my brain is MASSIVE and has overtaken the left's hemisphere not allowing for math comprehension. Well, almost. I've been thinking about DVC for so many years. Too many, we'd probably be enjoying it now if we had just done it when I thought about it. But both DH and I simply can't wrap our brains around it. I saw YourEveryDayAdam's post. I'm still lost. But bless him for being so diligent! We both LOVE deluxe accomodations. If we don't stay in one exclusively for a whole stay, we split it w/ a mod. Never do values. Also, because we spend that much, we can't go every year and flying down is between $800 and a grand RT for us. Driving isn't an option unless we want to spend 3-4 days on the road. (do people do that? honestly, I wonder if it IS doable) Anyway, there is not a way to be able to buy w/o financing for us so that's one issue. We are not well-to-do by any stretch. Hubby has a blue collar job at 3M and I'm a SAHM but do my art on the side to make ends meet. Another is I'm not sure even if we had a DVC place, we'd be able to go every year. We'd LOVE to and perhaps wouldn't have to stay for 2 weeks when we do because we could go more often. But I dunno. When we vacation, we like to do it "our way" and not pinching pennies which is why we do it only every few years. Is buying into DVC only a good idea if you can make it there annually? Every 2 years? Does anyone know if they do a speil for it on DCL? I'll be there this fall and while DH is out w/ our oldest, and I'm w/ the baby, I could listen to it. I've gotten the DVC DVD but still, w/o actual number and numbers associated w/ different loactions, it's all Greek to me. And if it helps... we loved the AKL so doing a figure based on that would be so helpful. I TOTALLY understand this is a highly loaded post and will require someone that has a bit of free time and a lot of patience for repetition to answer, , but I really, REALLY would appreciate it if someone could be so kind. I've been reading the board often and just can't seem to wrap my head around some things. I understand each palce ahs points assigned to it's value and are different at certain times of the year. But I don't understand "add-ons" borrowing/renting points, coupons. None of that. I'm almost 40 and feeling that my DVC life has probably already passed me by. : ( Our kids are still young and DH and I will always love going even when they are out of the house... but if its just silly to buy in for us.... is it? I know the term "silly" is relative but I'm looking for opinions so go for it. I'm so confused. I promise, I've tried to understand for years. I'm not just posting the second I think of something w/o trying to research. It's just not sinking in.