The minimum you'd pay thru disney directly is $75 a point (150 pt minimum) or $11,250 til 2042. However, there are alot of resales out there (check timeshare store link on this site) where you can purchase DVC for a considerable savings. Right now, you can only buy into wilderness lodge villas but Beach Club villas are soon to come. On the resale market, just about every dvc resort, with a variety of point packages and use years, are available. If you go to disney every year and usually stay in a moderate to deluxe room, DVC is probably a wise choice. I know it has been for us!