okayyyy I may now be in the you need one use year and one membership camp.
I evidently borrowed twice and now I need to figure out a way to be sure those get used. I borrowed on my CCV which is no big deal. But I completely forgot i had temporarily used VGC points waiting for my new Aulani to load to book a WDW property. Then in a last minute 11 month booking scramble I forgot about that and I borrowed my next UY VGC and my last trip for this UY to VGC is already booked with banked points.

These are such valuable points and Im going to be so bitter with myself using them at AKV!