Even if you don't want to go to WDW every year, the DVC is still a great deal. We bought in Dec 99 and used our first years points to stay in downtown Chicago. That's about $250 a night. Then, last fall, we took our family and the inlaws down to Hilton Head at the DVC there. Loved the Disney touch there. We won't even see our home resort until 12/01. Still glad We did it. It also makes you take a vacation and let's face it, far in the future when you're on your deathbed, you're not going to say " Wish I'd spent more time at the office."