Borrowing Points Newbie Question

So let me see if I understand this correctly, if I have 160 points in 2025 and need to borrow 160 points in 2026 to book my 2025 vacation then that leaves me with zero points for 2026. My agent said that I can just borrow another 160 from 2027 even if I have zero points in 2026 from borrowing in 2025 in order to book my vacation in 2026. Is this correct? Just seems to good to be true and she's been wrong about stuff before and I've actually corrected her before from my reddit advisors in this group 😅 😄