You can do this for MUCH LESS than 10,000. For starters, packages are almost always a bad deal. Can you give us some additional information so we can give you good suggestions:
What time of year are you traveling? That makes such a difference in price!
How far away do you live -- is flying a necessity?
The Dolphin isn't the most expensive place in WDW, but it isn't the cheapest either. Are you, by chance, a teacher or a nurse? If so, you qualify for a good discount at the Dolphin or the Swan. Have you checked mousesavers.com for discount codes on room-only? What is your criteria for a "good room"? At the very least, you should join the Starwood hotel club thingy right away. You'll get a free upgrade to a nicer room upon check-in, and you'll begin to build points for a future stay.
You mentioned renting a car. Since you're staying on Disney property, this isn't a necessity. Which matters more: staying on property or having the car? On the other hand, you must consider that if you don't rent the car, you'll have to pay for your transportation from the airport to WDW, then from WDW to the port, then from the port to the airport. The car might be a necessity after all.
You're getting the meal package? You're only going to be at WDW for three days -- that's very little time. Are you sure you want to use that time sitting down in restaurants? I'd consider doing all fast-food in WDW (especially since you'll have nice, leisurely meals on the cruise). A family of five can eat a decent fast-food meal inside the Disney parks for $25-30 (especially if you drink water instead of sodas). Look at deb's site for menus and prices. The meal vouchers can work to your advantage, though you must be careful with them.
Tickets are an expensive part of WDW. What parks do you plan to visit mostly? Will you want to go to major parks all three days? Does park hopping matter to you?
These three days -- will you arrive on day one, have only day two for "complete park days", then leave for Port Canaveral mid-day on day three? If so, you should not pay park prices for all three days. What time will you arrive on day one? What could you do without a park ticket that day? Visit a water park (half the price of a major park), go to Disney Quest (which is a separately priced item), do an Illuminations cruise, drive water mice. What time do you anticipate leaving for the port on the third day? The ship will sail around 5:00, so you'll need to be out of WDW by 2:00 at the latest. I wouldn't pay a full day's park prices for half a day's use.
On to the cruise . . .
Must it be a
Disney cruise? I've cruised on Disney and it is wonderful, but our next cruise is going to be
Royal Caribbean. Why? The price is significantly lower -- like 40% less -- we just can't justify the higher price. Try cruisecritic.com for more information. Something to look out for: Many non-Disney cruise lines use their older ships for the short 3-4 day cruises, and that's not a good thing. Your kids will have plenty of fun in the kids' clubs regardless of what line you choose. The biggest deal to us was giving up the day at Disney's private island
Castaway Cay.
Consider booking two inside, connecting rooms instead of a large "family suite". On such a short cruise, you'll spend little time in your cabin anyway. You get the same meals, same access to shows and movies, and the same use of the pool, etc. regardless of what room you book. Plus, you'll have two bathrooms, which will matter with five people.
On the cruise, you'll have two large expenses that you didn't mention: First, tips. For a family of five, expect to pay about $350 in tips to your room steward, waiters, etc. Second, excursions. On a four-day cruise, you'll probably have two stops, and you'll want to do something in port. You can plan to do "on your own" things instead of using the ship's expensive pre-planned excursions, but it'll still be expensive. Again, how old are your daughters? That'll be instrumental in what your family will want to do in port. Other little things that add up on the cruise: photographs (you will want them), alcoholic drinks, milkshakes . . .
Okay, that was long. I hope it's helpful. If you'll answer some of the questions, perhaps we can all provide some more detailed answers to help you save as much as possible while still planning the vacation you really want. I'm 100% sure it can be done for much less than 10,000.
