I feel like I have too many points. I have 3 contracts. They were all paid in cash and I can afford the dues, the problem is that I can't find the time to use all of the points. Our 3 children are adults now and do not want to vacation at WDW and 2 weeks a year is enough for my husband and I. We bought 3 contracts thinking that eventually each child would get one but none of the 3 really like going there now. Oh well.