A somewhat loaded question, but as with anything you really really want, you find the means.
Now I understand that coming from the UK we are often able to access offers that you guys don't have access to such as better length tickets up to 21 days to your 10, but add in our flight costs, insurance etc Disney is not a cheap option, typically off site comes in at about $3000 plus food. Onsite delux with the best offers (free dining, 14 day ticket for the price of 7, $200 gift card) for 14 days around $7000 to $8000. This includes car hire & one day at Discovery Cove as the only extra. I also anticipate a further $3000 for additional hard ticket events, x2 MNSSHP, fuel, reservered flight seating, extra food outside Disney, tips & souvenirs etc.
Its a chunk of change but its what I choose to spend my money on, we don't smoke, rarely drink & only eat out occassionally, plus we book at least 12 & anything up to 18 months in advance.
Now if I can just find UK fuel at USA prices I would be coming twice a year. 40 litres of diesel $75 minimum, it has been as much as $90! Our single largest outlay bar none, two cars, two tanks of fuel a week adds up to way more than the holiday every two years and thats just back & forth from work! How do we fund that, the same way, its essential so we find it.