If you book 90 days or less from your travel date, you can either "borrow" the next years points and/or rent ($5.00 per thousand) directly from Wyndham up to the number of points you own.
So 66,000 + 66,000 (rented for $330) + 66,000 (borrowed from next use year) gets you a nice vacation (198,000 points). Then the next year rent another 66,000 points and borrow the balance from the next year.