I
strongly disagree with this sentiment.
This was the response I typically got when I first made a post asking about joining
DVC. I mentioned I'd only gone to WDW once in 2010 and once in 2011 and people ragged on me because I hadn't gone consistently enough so I wasn't a good candidate for DVC.
I will be going to WDW 4 times this year and 3 times next year. Why did my vacation habits change? We have an almost 3 year old and an almost 1 year old now. Do the math and you'll figure out why we didn't go often in 2010, 2011 or 2012 (ie: pregnant wife most of those years).
The OP said he has two young kids age 2 and 9 mos. I can relate to his situation. He can plan on going to WDW at least once a year for probably the next 15 years. Just because he didn't go on a regular basis in the past doesn't mean he won't be going on a regular basis in the future. After all, he didn't have two young kids 5 years ago so why compare his vacation habits 5 years ago to his vacation habits today?
As far as the cost savings go. I mean yes he 'could' save money by saving up and buying resale. He 'could' save money by buying another timeshare. He 'could' save money by not financing at 15%.
But he's got two young kids, and the clock is ticking. If he has to wait 5 years to save up the money to pay cash for a resale his kids will be 7 and 6 and he's lost 5 years worth of memories. He'll also have lost the wonderful visits when the kids are toddlers and "believe" that Mickey in the costume is the Mickey they see on the Mickey Mouse Clubhouse every day. They won't believe that when they're 7. The time to make these memories goes away day by day. Tomorrow he'll have one less opportunity to spend time with his kids than he has today. And one day they'll be all grown up and out of the nest and they won't return his phone calls (like in that song "cats in the cradle"). If he's ready to take vacations with his family and build these memories then maybe DVC is worth it. When he's old and his wife is dead from a tragic blimp accident and he's in a nursing home and his kids don't visit anymore then I guarantee the extra $10,000 he could've saved on DVC won't be as important to him as the memory of his cute little three year old hugging Mickey Mouse. Maybe money isn't the most important thing in life.
Like the song says "sha la la la la la live for today, and don't worry 'bout tomorrow, hey"