My circumstances are different from the OP's, but I thought I'd chime in. Recently divorced, back in college and beginning a whole new phase of my life. Sadly, lost my oldest daughter, Sara, to an illness in 2006. Decided that I don't know where I'll be in 5 years, but do know that I will take my kids on vacation for the rest of my life. I have a rental in a neighorhood that I can't afford to buy into (if I stay in this area) until I finish my degree and secure a nice paying job. I've mapped my life out for the next 5 years and although I don't own my house, my kids are well taken care of, my income is secure for that period and my 20 year old's college is covered (as well as mine). I decided on a small DVC resale, put some cash down and will pay it off in 5 years. Life is short and I want to enjoy the time I have with my kids (the best way I know to honor Sara's memory, focus on the remaining children to the fullest). It may be a luxury, but I've weighed it, and it's what's important to me now.
Besides, everytime we go to DW, I like the fact that my ex knows that the very nice alimony check I receive every month is going towards our vacations.....
Besides, everytime we go to DW, I like the fact that my ex knows that the very nice alimony check I receive every month is going towards our vacations.....