I'm pretty new to all this, I was looking at the points and how much they cost and it looks to me that it would cost you more to use the points, than it does just going on vacation as usual. For example for a week at OKW is 109 points $84/pt =$9156. Where as my normal vacation was alot less than that. I know im missing something could somebody please point it out and explain it. Thank You. I was also wondering if you think it would be worth it to invest at a young age such as 16. thank you.