Thank you everyone for all of the help. I did some digging in the account and I think she was mistaken. It looks like only about 5k points are expiring immediately. I'm not sure where she got the 20k number. So I guess there's less urgency there.
Sorry if this is just me being dumb, but does it seem to anyone else like the worldmarktheclub website is intentionally terrible? I know it's not really "public facing" (in that if you're using it they already have your money), but I think that literally every other travel site that I've ever used (AirBNB, Kayak, Hotwire, VRBO, Hotels.com, Expedia) is twice as fast and a thousand times more intuitive.