Just a suggestion, that lump sum of $3000 would be a nice down payment for DVC. Then you could budget monthly for vacation and avoid a large room bill for each vacation. BCV could be your home resort. It will be very expensive to always need 2 rooms over the years. Do you visited WDW at least every 3 years? Take a look at DVC, crunch some numbers. I know we wished we had done it sooner. We used to stay at All-Stars, CBR and CSR. Never a deluxe. Your room bill for your up coming trip could go towards DVC points. Good luck and have fun deciding what is right for your family.