With proper management and banking and borrowing, there should not be "left over" points. Our friends did get into that situation this year. I helped talk her through banking while we were all at OKW in January. Now she finds (due to death of her DH) that she wont be using her points this year, so she will lose the banked points from last year. Since there are only 16 that will expire, I have told her I thought she should try renting them out.