My husband and I are in our 30s and just had a baby. We are strongly considering DVC since we plan on going to Disneyland at least annually with some trips to Aulani. Now would be a great time to buy since our family is just starting. I know it appears over time that the large amount of money you initially invest eventually pays for itself. However, then you throw in annual dues that increase over time. A concern I have is that I notice that it costs about double the amount of points to use DVC during peak times than not. As our children get older and are in school, the peak times is when we would mostly go. So is DVC worth it then when you’re going through points more quickly then? Or are you better off putting that huge chunk of money in the stock market and paying cash for rooms instead? I am a HUGE Disney fan and was initially sold when I first learned more about this. I don’t need DVC to force me to go to Disney regularly. I’m just wondering if it is overall a smart investment.