I bit the bullet...well, our whole family did, actually. It is kind of shocking when the bill comes every month, but playing that much, if you really love the game and that's your hobby, it is totally worth it. Our club doesn't even take tee times, you basically walk on when you can. Plus, with my young family, all the other amenities are a super bonus -- the pool, the lake, the dock, the restaurants, etc. I'm 35 and I honestly hope I'm investing in a "third place" for when I'm 75. The other cool thing is my five-year-old daughter gets full privs until she is 21. I had free golf at a "ranked" course across the street, and I couldn't take one more five-hour or so round.
Yeah, the finances haven't been easy to do it, but the whole family wouldn't trade it for a thing. Besides, my certificate has gone up in value faster than my house!