That's a hard one for us!! We're a family of 5, so lodging can be a little high, and then paying for the passes for five, and the sit down meals can be costly too! And now, the Disney pins... thankfully, I'm the only one who collects, but my 6 yr old is running a close second!
But DH and I think its money well spent for some great quality family time! It is so much fun picking a hotel, deciding on the restaurants (I always let everybody pick at least one restaurant to eat at during our trip), having the kids get excited as the trip gets closer!! (126 more days for our next trip!)