<prompt> Human: Hi all, LONG post sorry, I tried googling this for ages, but have found no real information. Anyway, to introduce I am a single male going to enter his 30s next year with no plans to marry or have kids MGTOW represent!ANYWAY, without the expense of a wifekids, I was thinking with my current earnings, in a few years I will be in a position to splurge, and wondered what to spend my money on. I figured I should at least treat myself to a luxurious holiday at top-notch resorts to enjoy my money while I am alive. I looked into vacation funds that I could invest into that would allow me to afford expensive holidays, but didnt find much, but it did lead me to timeshares and particularly the Disney Vacation Club.So Ive done the research and checked the math - the DVC works on a points system which can be redeemed at their resorts. Park tickets, etc. all seem to be additional expenses, but the main thing is luxury accommodation. As a single person who may or may not take someone with me, I would be potentially looking at 150 points to enjoy full benefits throughout my stay approx. 1 week. When buying directly from Disney, you are required to buy a minimum of 100 points per contract. Most contracts expire in 2042, with some newer ones going to 2067.Now I could either buy direct from Disney, at roughly 160 USD per point, or I could buy from the secondary resale market from people wanting to offload their DVC memberships. You would have to find a good deal yourself. For the math, 150 points 160 24,000 USDI have managed to find a resale for 100 DVC points being sold for 9,000 USD, which is about 55 of the retail price.Heres one more problem: In effort to stop consumers from buying resale value memberships, Disney announced that from April 2016 onwards, resold DVCs will not have access to incidental benefits such as Disney Collection which includes Adventures With Disney or staying at their beach resort etc.So to get around this, I want to buy 50 points smallest amount from Disney to top up the DVC contract I will already have by then. So 50 points 160 8000 Meaning my DVC package will cost 17000 instead of 24,000 to lock in. The first DVC contract worth 100 points will likely expire in 2042, leaving me with the additional 50 points to renegotiate with. Add to that annual fees, which tend to increase every year. Right now they are between 6 - 8 USD per point, so lets say that would be 600 400 1000 depending on the contract 6 for 100 points 8 for 50 points which will increase year by year.So that gives me 2042 - 2016 26 years to enjoy a 17000 vacation package with running costs adding up to a further lets say 30,000. Average that to about 47,00026 1,808 per year.vs.24,000 DVC package firsthand from Disney 30000 maintenance cost 54,00026 years 2,078 per yearI know there are cheaper alternatives out there - but this is for the purpose of luxury vacations, five-star resorts, housekeeping, room service, etc. locked in for any part of the world Disney has a resort. Really want your opinions on all this - at a discounted value, would this be worth it?  <response>: Most people who buy timeshares regret the decision later, so theres that.If you think the Disney Vacation Club is a five-star resort, as opposed to Extended Stay America with whimsical touches, and you want to go there every year for twenty-five years, then, sure, sink 47,000 into this idea. Mickey will thank you. 