I think I figured it out but I need confirmation and the DVC CM I want to talk to is not available today Next trip is probably going to be 2021 for Disney World’s 50th Anniversary. My use Year is December. So I’m assuming the points I can use for that trip will be my banked point from December 2019 and current points from December 2020 and, if needed, borrow points from December 2021 points. Did I get it right? I have 18 points left from December 2018. I was gonna bank then but if it won’t be used for the 2021 trip, I have to figure out how to use them. Thanks in advance!