I don't mean to sound rude, and I hope I don't get flamed....but my suggestion is you don't go every year. Or cut way back on resort. Or even better, cut way back on resort and still don't go every year.
You asked the question as if we can all afford that every year and we can't. SOmetimes we just can't have everythign we want. If your parents idea of a vacation was 2 days at KingsDominion, perhaps that is because it was what they could afford?
You guys are still babes, your priority should be saving. Take a great Disney vaation every other, or every third. I understand your DH's issue with the wheelchair, but using a wheel chair doesn't slow you down on the busses at Disney anymore than is slows down everyone else on the bus waiting for the wheelchair to be loaded. (my nephew is in a wheelchair - and we stay at the values). I mean, we all don't love the busses, and we all rather have the ease and speed of the monorail - but we all can't afford it. Much less afford it AND save on top of it. Even when we stay at a value without DN, we still have to wait for wheelchairs to be loaded, so it is still less timely for us, but it is what we can afford, so that is what we do.
My DH is VERY established in his career, we are much older than you, and we still don't take deluxe
disney vacations. We still save. We have 4 kids, and save for college and our retirement, but we only spend on vacations what is left over after we fully fund those accounts. If I thought we were entitled to a deluxe vacation, we could afford it twice or three times a year if that was my priority over saving. but why, when we can have a value or moderate vacation every couple years and a cheaper trip inbetween and still save?
Your not entitled to anything. Ofcourse it is what you want, we all want the nice stuff, but if you can't comfortably afford it and if you have to be financially unwise to pay for it, you shouldn't. Bottom line. It's called life.