You may not need to do so! What Tink stated was that you have the ability to bank/borrow points in order to amass a lot more points for that really special vacation. Depending on where you stay and for how long, your points will allow you to visit as often as your points will allow. Tink & I have been members of DVC since the early days of it`s birth [1992 in my case], and our original investment has paid for itself over and over again by now. My only regret is not buying more points than I did at the outset.