its not for eveyone,stopher has a good write up on it on one of these disdad threads but i will tell you what happened with us. in 1999,
my dw drug me on the tour, i didnt want to go, i figured we cant afford it. my dw never says anything about money,she says,we are doing this. at the time,points were $56.00 and the offer was buy 200 and you get an extra 100 for one year. so we bought 300 points. i just spent $17000.00

at the time, it was boardwalk and okw. we own at boardwalk, couldnt get into boardwalk so we stayed at okw. when saratoga was built we bought anouther 100 point, so in a nut shell , with maintaince fees, it cost me $2500.00 per year for 40 years. if you look at the points, for 3 people, i can spend alot of time in wdw on 400 points for $2500.00 per year. we stay in at least a 1 bedroom, we have a full kitchen and full washer and dryer. we love okw. its quiet and as everything else disney, clean. remember, before we bought into dvc, we were going at least once a year and staying at car.beach or all star. paying 110.00 to 147 per night. for us, it was the best money we ever spent!!! we go to wdw and the room is paid for. i drive so gas cost me , today $350 round trip. we are ap holders and with the dvc discount it comes to $24.00 per day per person in the parks. the only other expense is food.which if you wanted to, you could go to publix and buy a grocery order and eat your meals in your room. but we eat lunch or breakfast in the room but we eat dinner in the disney rest. our dd was 6 when we bought, shes now 18. she loves it!!!! she was a little upset last december, it was going to be the last time she was going to stay at okw before going to coll. she said when we were leaving "mom,dad, i love this place, im going to miss it, its like i grew up here."

but im sure she will return one day. we had the greatest times together there as she was growing up. i hope dw and i made some lasting mems. for her as she gets older. for dw and i, till one day maybe grandkids,

its just going to be the two of us again. shes going off to school in the fall and my inlaws have a place at the shore were im sure she will spend most of her summers with them. she been doing that also since she was little. so thats my story, for us money wise, i saved alot of money and get to stay in a villa on my trips and family wise, we have the time of our lives!!!