Well, Being that you actually live IN Florida it makes sense for you to get an annual pass and be in the DVC because you are a short drive to WDW. You can reap the benefits of those expensive time shares and annual passes. Locals seem to forget that there is a world of people outside of Florida who can't just drive to Disney on a whim.
For you it might work based on your geography and economic position. For far too many others it will not work and the Disney Resorts are just too expensive, and are pricing out the regular people.
You can defend it all that you want...but you still live in Florida. That would be like me saying "going to New York City is easy and can be affordable"...but I only live 2 hours away. It's not the same thing.
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DVC only works if you live in Florida?? Not sure I'm following that logic. let me ask, because maybe I'm misunderstanding what do you mean by "affordable". Over on the hotel forum we were discussing Disney occupancy rates which supposedly run at about 90%. who's staying at these resorts then?
Now I live in the Northeast. we purchased our dvc for one reason, to buy future accommodations at past rates. I don't go on a "whim", I don't know many people who go on vacation on a "whim". We/They do what millions of folks do every year, they plan and they save and yes some folk even charge their vacations. My husband and I took our money out of savings, for the way we travel we felt it was a good use of the money. I will say that I purchased back in 2000 when the prices were no where near what they are today but basically it saved us money on our rooms. that's the reason we purchased it. we did not do it to get cheap park tickets or any other perks.
It is very similar to NYC or any other vacation destination that is expensive. NYC gets something ridiculous like 40 million visitors annually, people plan, people save and yes there are rich people.
No one is even remotely saying that a wdw vacation is cheap but no one is "owed" a disney vacation and a stockholding company has the right to price their product to what the market can bear. Many folks will tell you they have a legal obligation to their stockholders to do just that. AND the hotels and parks are doing a great business, so sorry, I'm really not following that the parks are no longer affordable for "regular" folks. they have always been people who could not afford Disney, this scenario of Uncle Walt welcoming the tired, the poor and everyone with open arms is a false narrative. they will always be people who will not be able to afford a wdw vacation.
Let me ask a simple question, if disney is no longer affordable to "regular" people, exactly who is filling the parks.
let me ask another questions, have you never had any thing that was out of your budget, that you simply could not afford? do you hold that against the company/owner? I have had tons of places, items and experiences that I could not afford. every thing from Billy Joel tickets to cars to vacations. Do I then get upset becasue back in 1970 the price of tickets were affordable but now they are not? (that's an honest question)