You are not the first, or last student who can afford college costs that are near $60,000 a year…and who won’t qualify for need based aid.
I suggest you use Vandy as your reach school applying regular decision. That way…your Vandy decision and aid will come at the same time as (hopefully) acceptances to places with significant merit aid…and the sting of not being able to attend unaffordable Vandy won’t be so strong.