tvwalsh--I have been saying that for years on this site that DVC is not a savings but an expense, it is that simple. What most people do is compare what it would cost if they stayed at some other place at WDW-this is like my wife telling me how much she saved when she bought herself a suit that cost her $380 marked down from $500, a $120 savings. Oh really! Being a member of DVC has cost me thousands more than it would ever had if I did not buy for the simple reason I would never had gone to WDW 2 or 3 times a year like I have since joining, then there are the tickets for my guests, yes, my grandchild has also gone 3 times and she is only 4 years old, her airline tickets, park tickets, her parents tickets, chartacter meals, etc. The list goes on and on. It is a big expense but I have enjoyed it most of the time.