I was 46 and DH was 45.....our kids were 20, 18, and 12....when we bought in 2001......we briefly wondered "what is that DVC thing" when we were at WDW in 1993 shortly after OKW opened (OKW was simply called Disney Vacation Club way back then)...but, without even investigating further simply decided it must be way too expensive for us to even consider at that point. We didn't visit again until 2001, after several cancelled trips due to our parents' serious illnesses, and decided on the spur of the moment during that trip to do the tour when the models were at BW..... our purchase at VWL was spur of the moment also.....we got some of the last points at VWL.......it was perfect for us at that point of our lives and have since added on at SSR.....will probably add on another 150 or so in the next few years looking forward to retirement....and are currently looking to purchase about 50 points as a wedding gift for our oldest son (that 20 year old back in 2001) who is getting married in July.