We try to get to WDW every year and are big fans , how ever have not even one time looked into DVC just make no since to us to pay out that money and maintenance fees and still go one time a year . It would take a lot of years to get to the amount of cash that you put out for the DVC .
. Can you bring me up to speed on how you made up your mind to do it ?
Since nobody answered, this, I will give it a shot. First, go the DVC section of Disboards. There are many discussions about the benefits and pitfalls of buying into DVC. It is definitely not for everyone. You really have to look at your vacationing style, how often you go, where you stay etc. If you are happy in a value/moderate or you like to stay offsite, typically it is hard to justify DVC. While DVC can certainly save you money over time, you really have to look at it as a luxury item (as should any vacation at WDW) and not an investment. If you have to take out a loan to buy in, it probably is not a good fit. That being said, while it is a depreciable asset (time limit contract), many contracts have actually appreciated over time. I have a friend who bought 200 points at Boardwalk 13 years ago for $45 per point and those points are going for $80 on resale market right now. So if he sold now, he would actually MAKE money while having his vacation lodging paid over the last 13 years.
For me personally, buying into DVC was one of the best decisions I have made and I wish I had done it about 5 years earlier. I love going to Disney and staying at the deluxe resorts is one of reasons I go. Last year, we got a 2 bedroom villa at the Beach Club and my teenage girls could bring a friend. We all had plenty of our own space and we were right in the middle of the magic. I never would have done that without DVC. In 2010, when I first joined, we went Xmas week and used our points for an Animal Kingdom Savanna view. That room is never discounted during the holidays and would have been $650 a night if paid OOP. That trip alone almost covered my initial outlay. I have used the DVC discount on the annual pass which along with my DVC points has allowed me to do several quick short trips throughout the year. This year, the DVC AP discount was a special $300 off the premium AP - for 4 that saved us $1200 and cost about the same as getting 7 day hoppers for 1 trip. But we will get at least 2 trips out of the APs and we are planning for a 3rd. Then, the AP gives you a bunch of perks including 20% merchandise and 20% off food (when you get Tables in Wonderland) and discounts on other stuff (which are all subject to change).
Like I said DVC is not for everyone. Much of what I list above are nice to haves. I can easily do Disney much cheaper staying in Values, Mods or offsite. So if you are justifying it financially, you have to look at what value means to you. It is like buying a new car. Why spend $$ on a brand new Nissan Maxima when a 10 year old Dodge Neon will easily get you from point A to point B?
. You can go around this big world any place you want . Good men , have fun and enjoy . We try to get to WDW every year and are big fans , how ever have not even one time looked into DVC just make no since to us to pay out that money and maintenance fees and still go one time a year . It would take a lot of years to get to the amount of cash that you put out for the DVC . 
