How does someone know it's a good decision for them, to purchase DVC?

[Childs1stTime2Disney]

I have been a Disney fan since I was a child, planning trips over the years with friends or family. Now we are a family of 4, with teen and a younger child. We have gone to Disney before Covid shut downs, then stopped for a few years due to various factors, and have now gone 3 years in a row. I personally know I could go yearly and never wish for anywhere else. I am not sure my family feels the same, but they do love the trips each time.

So I started thinking, maybe we should be looking at DVC? We are at a point where we stay in one bedroom villas for a week+, rented through Disney using a discount code, & paid for in cash these last trips.How do I figure out if DVC is a good move for us? Worried what if we aren't able to go yearly going forward? So how does a person accurately calculate if this is worth it for them to make the move into buying DVC?

Worried about "life" becoming less conducive to being able to take those week long stays going forward, or things such as jobs, health issues, or other life factors posing an issue to traveling, in the future. Also, I am concerned we'd need to purchase 200+ points to even come close to how we like to stay, etc. FYI, considering direct, since we love RR. Of course, it's a huge commitment financially and a huge leap. Anyone have any words of wisdom to share?

 

[ShaneDJ]

Some paragraphs would be great.

 

[ShaneDJ]

Thank you. The paragraphs look better and make your post much easier to read.

Since you mentioned RIV resort, here is one article specific to that, plus another that should help answer your questions.

And then here is the contact info of one of the best DVC resale guides out there (and he’s a featured speaker on the DVC Fan podcast). He’s a pro and can answer your questions directly.

These links are all from this board’s sponsor…

How Long Does It Take to Break Even on a Riviera Resale Contract?
https://www.dvcresalemarket.com/blo...e-to-break-even-on-a-riviera-resale-contract/

Is DVC Right for You?
https://www.dvcresalemarket.com/blog/is-dvc-right-for-you/

Contact Derek DeBoer:
https://www.dvcresalemarket.com/about-us/team/derek-deboer/

 

[AstroBlasters]

I have been a Disney fan since I was a child, planning trips over the years with friends or family. Now we are a family of 4, with teen and a younger child. We have gone to Disney before Covid shut downs, then stopped for a few years due to various factors, and have now gone 3 years in a row. I personally know I could go yearly and never wish for anywhere else. I am not sure my family feels the same, but they do love the trips each time.

So I started thinking, maybe we should be looking at DVC? We are at a point where we stay in one bedroom villas for a week+, rented through Disney using a discount code, & paid for in cash these last trips.How do I figure out if DVC is a good move for us? Worried what if we aren't able to go yearly going forward? So how does a person accurately calculate if this is worth it for them to make the move into buying DVC?

Worried about "life" becoming less conducive to being able to take those week long stays going forward, or things such as jobs, health issues, or other life factors posing an issue to traveling, in the future. Also, I am concerned we'd need to purchase 200+ points to even come close to how we like to stay, etc. FYI, considering direct, since we love RR. Of course, it's a huge commitment financially and a huge leap. Anyone have any words of wisdom to share?

You seem like a reasonable candidate and identified some of the things to be concerned about.

How big of a financial commitment is this for you and your family? Not just the upfront…. the lifestyle….dues, the park tickets/passes, food, merch, transportation….

Does it have to be Rivera or bust?

In most cases going direct is SIGNIFICANTLY more expensive than resale and therefore you are taking more risk because you have to take the depreciation hit if your personal financial situation or family’s travel habits change.

Rivera offers a bigger depreciation hit than most other DVC resorts because the points are locked into just that resort if purchased via resale.

On the other side, Rivera might be “sold out”
in a couple of years… which really means sold direct at a higher price and without incentives….