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At the end of the day you are still spending money on the trips you take. It's either you can afford to pay for your vacations or rent a hotel but at the end you are still traveling and probly to a wyndham or an affiliate of wyndham. I bought I love it and I have a lot of options had it for years. And the fact that I really don't come out of pocket. People pay car insurance and never get in a wreck. I'm sure you have a 401k just like that it is an investment on the money you will spend anyway. And at the end of the day no one dragged u to the presentation.