I know this is scary to some...

I have anxiety about that level of borrowing. I am usually banking a few in each year. This year though I banked nearly all my points due to having to cancel some trips due to family health problems. So I have a ridiculous number available for next year. I need to start figuring out what to do with them. And hope for a better 2026 where I do not have to cancel the trips again.
Bungalows and cabins! Hope that it works out!
 
All booked up and here's the end result. Not bad, but was hoping for all zeros
 

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