With 3 small kids, we knew instantly that DVC was for us. Whenever we travel...even for a quick week-end close to home, we always get a suite. 5 in a regular hotel room just does not make for a fun vacation.
I learned tons and tons here on the DISboards. Knowing I wanted to buy in wasn't enough...then it became an issue of affording it. I knew that I would not finance this. So I stalked the resale sites, crunched numbers, and talked with my guide all the time about the various discounts. Still, none of it worked out right in terms of numbers.
Then one day while on the phone with my guide, she was telling me (for the 100th time...

) about the discount on APs and how that would help save on costs as well. I mentioned that I didn't need APs for me and DH since my brother works for ABC and always gives us his free passes. He doesn't get enough for all of us, so we use them for the adults and purchase the kids' tickets.
And then the light bulb went on...big time! She said..."Your brother works for ABC? Is this your full, real, legal brother?" And I said...yeah....so? "Honey, you get to use HIS employee discount on your DVC purchase!" CHA-CHING! Then she ran the numbers using the discount...and I gave her my credit card deposit right then!