I have recently purchased DVC membership and I'm 29
30 in Nnovember which is when my next stay is - iv been going to disney now every other year since I was 9. I'm lucky my parents brought in when I was young and brought 250 points which means we can usually have enough points to get as studio for 2 weeks every year.
I have brought through disney resales however not through disney itself and I managed to get 250 points for. Boardwalk at the price of $21k, which in £ is just around £13500
Best advise for you being young is save p your Christmas money for presents for each other - have a look at the points charts and what You need to be comfortable with your points and how often u would like to go and top up your 150 points with A few more. Being young you will then effectively future proof your holidays as your able to also book through RCI.
There are downsides however as you are not able to book disney adventure collection, cruise or consierge collection - but they are hugely expensive and to be honest not anything that interest me. Something to look into maybe for the future .
But well done you for buying into the best thing since sliced bread!
When are you going back? I can contain my excitement for you both! Eak.