Research a bit more on the typical availability of Aulani and what times you want to go. I believe i have read that the summer months june-august are the high demand times (have to book at 11 months), maybe around holidays as well. So if you are flexible as to when you go you can consider buying a less expensive resort with lower MF (such as SSR) and still be able to go to Aulani and end up ultimately paying less on your buy in and MF. I just looked at availability and as of right now 7 months (so in February 2018 there is quite a bit of availability, Surprisingly even early December has plenty of openings, but of course thanksgiving and chrismas/NYE are pretty booked.
We here hate to see people spend more than they need to and hopefully you are looking at resale and not direct.