It begins as a "geek thing"—creating spreadsheets to compare the cost of value resorts versus the upfront $20,000+ investment for DVC.
Once committed, the story turns into a complex tactical game:
A common turning point is first. Families who have stayed at value or moderate resorts rent points from a broker or friend to experience a "Deluxe" stay for 30–50% less than Disney’s cash price.
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