Using a surplus + banking to cover a small shortfall each year?

[ADS66]

This makes my head hurt to think through so I'm hoping someone has already figured this out . Let's say that I have:

September Use Year: 50 Points
April Use Year 65 Points

And as of May 2023, I have: 100 points from the September (50 from 2021 and 50 from 2022), and 130 from April (65 from April 2022 and 65 from April 2023) - Total of 230 points

In May of 2023 I "spend" 120 points, leaving 110 points which are all from 2023 as I used the oldest ones first.

I then bank those points to the next year.

So come May 2024 I have those 110 banked points + 50 new from September 2023 and 65 new from April 2024 for a total of 225. I again spend 120, leaving 105 which I again bank.

So in effect I'm getting 115 points new points each year, but spending 120 reducing the surplus. Will that continue to work each year until I run out of the surplus?(which would take around the 20 years left on the contracts) Or am I missing some gotcha? Also I guess there's the possiblity that instead of doing that, we might one year spend more than the 120, but we could "refill" by skipping the next year? Does that work? Thanks for indulging my crazyiness.

 

[CaptainAmerica]

Sell both contracts and buy a 120.

I like having multiple use years, but I wouldn't do it if you need both contracts to make a single reservation, for the exact reason you're stumbling into. It gets extremely complicated.

Your theory would only hold up if you traveled the same month every year. If you start crisscrossing your use years, you're going to end up stuck before long.

 

[Sandisw]

As long as you travel to use up all the banked points of both UYs, that should work. Just need to be strategic when you travel so you can use banked points from both.