We purchased 300 points...we took the "magical beginnings offering, and sold back 150 of our first years points for $1,500...we then put $2,300 down in cash for a total of 20%....my monthly loan payment is $375 at 11%....and my dues add up to $125 per month....so for 5 years I will pay 500 per month....then after that I will pay approximately 125 a month....by the way, we purchased at VWL. ..We closed in April of this year, and will be spending our first night on points in August.....The way I look at it is, that it is not very cost effective for the first 5 years, but it is very cost effective for the next 35 yeras after the intial 5....I mean I would not call this a whopper investment, due to the fact that it has a time limit, but that is not why you would buy in. It definetly is a smart way for disneyholics to spend there money.....My wife and i are most definetly on a tight budget, and I constantly try and convince friends of mine who go to disney yearly that they are throwing needless money down the drain....imagine saving all year, and dropping close to $4000 dollars to pack 2 kids and 2 adults into a small room at the carribean beach (ouch)!!!.....I hope this has been helpful