Here's our breakdown:
$1600 park tickets
$2400 annual dues (400 pts)
$1500-2k airfare
$1500 food and other
That's $7k-7.5 for our 7 day trip for 4ppl. I need to save up for college. I can do DC for half the price!!
My brother went to the carribbean all inclusive for $3k!! He brought his family of 4!!!
I guess it's also a matter of the level of luxury you want to continue to experience. Many of us would take your 75k and vacation much differently with it and be very satisfied. For you, that's your norm at this time.
I've changed how I vacation in the Disney area over the years. I used to spend 7500-10k on
Disney vacations over a year's time, staying at the Poly, dining plan, concierge level at times.
Then we moved over to the moderates for a few trips and even did a few nights at the values. Eventually bought DVC, and now I do not spend that kind of money.
One way to lower ticket cost was annual passes and staggering the trips. The other way was to buy no expiry and just do a couple of park days. (I stockpiled a few of those last February so I'm now good for tickets for my lifetime.)
Dues payments can be lowered by renting some points and taking a smaller room, thereby lowering room cost - maybe by as much as half your total.
Food costs - we used to have an ADR for every dinner and the bill to go with it. Now, I like to plan a few meals, but not $1500 worth.
For some it's not a vacation if you don't have everything that $7500 gives you. For me, I've had it and don't necessarily need it, but I still like to go at some level and I get enjoyment still. But for me, I've pretty much taken the room and tickets out of the equation, as well as 2/3 of the food bill, so I'll continue to go to Disney and keep my DVC.
And strangely, I have no desire to go back to the Caribbean, even free! But I'll take the South of France or Spain any day!
Whatever you do with your vacation funding, enjoy it!