We go to disney atleast once a year, sometimes every 9 months. We are 2 young adults, I'm 22, my DH is 24. We both work full time, and after we pay our bills, we put money aside to take vacations. We generally go on 2 vacations a year, one is always to disney, and we always stay on site. For me, it wouldn't feel like a Disney vacation if we stayed off site, because when I go to Disney, I want everything around me to be Disney. I feel that having to drive every day, and leaving the World would just ruin the experience for me, and it wouldnt' be a vacation. I escape the world when I go to disney, or go on any vacation for that matter, so having to drive, park, etc would just not work for us. Besides saving throughout the year, I have a Disney Visa that I put pretty much everything on to get points which I use to buy gifts/food/alcohol while we are there. As others have said, I do not go to Disney unless there is either Free Dining or a room discount. We usually stay at Pop, but sometimes we stay at POFQ, we have yet to try a deluxe. I always get the meal plan because it just works out for the two of us. We also drive instead of flying, and we bring our dog with us because it's actually cheaper to board her at Disney's pet hotel then it is to board her back home. Planning is key behind making a great Disney vacation, and it might take you a year to plan, but I feel like thats the best way to get the best deals and make the best out of the trip.