December UY and borrowing

[CMouser]

I am trying to plan a trip for June 2021 and the point total is 109 I currently have 3 points in 2019, 34 points in 2020 and my full 100 in 2021. I still need 72 points and know you can only borrow 50% right now so . Is the dec 2021 considered my borrowing year? Sorry i am just confused

 

[Sandisw]

June 2021 is in your Dec 2020 UY.

So, you can use the banked 2019 points, your 2020 points, and borrow up to 50% of your 2021 UY to finish the trip!

That gives you a total of 87 that are eligible.