You're not a resort guest you said, so you're not DVC?? Why are you in this forum then? And what do you know about what we spend? I have 450 points, 4 APs (for 4 family members), and a TIW card. We do 1-2 TS a day and many signatures. We buy bottles of wine and many other drinks. We do the parties at MK and have done tours and whatnot. We drop the $$$ like it's going out of style. The DVC alone, we had 750 points and paid $69,455 for. Sold 300 for $26,400. So we're currently in for $43,000. And will pay about $3600 in dues in January. At least $2400 for 4 AP renewals. TIW is what now?, like $150. My tab on last trip was like $1800 for dining and stuff (9 nights for 2 people). Honestly, CRO with free dining would be cheaper.