DVC so that makes a huge difference. Annual Passes spread over 4 trips minimum at 9-10 days each trip ran around 200 for each trip per person so $400, airfare we used a companion pass for 1 flight each year on DL and miles for another Dl flight then switch to SW and use points/cash. We go in fall, Winter and spring but avoid holidays so much cheaper. Say 800 or less in airfare each year. Rental car less than 100 per year, we only rent for a day or two but don't always rent, I use my corporate discount. $150 for TIW split across 4 trips. We mostly eat at the lounges but food is our biggest expense, love cocktails. We try to keep it to 3600_4000 a year for 2 trips and we stagered our dates to get at least 4 trips per AP. We already broke even on our DVC purchase price, yes we would have stayed delux. So with our dues we do great as only 2 adults going studios are perfect for us. Examp!e. Bought AP Dec 8, 2018 and stayed 10 nights, used DV C discount which was great in 2018. Returned Feb 2, 2019 for 9 nights, returned Oct 19, 2020for 9 nights, final AP visit was Nov 29, 2019 for 10 days. We always fly in super early and fly home super late to get not park time. We have 0 issue with driving up to 2 hours for a cheaper flight. We fly out of Louisville, Dayton, Indy, Cincinnati, Lexington or Columbus.