I had the 90 swipes plan each quarter and ended up with a bunch of leftover swipes at the end of the year. I ended up having to go to the DC for every meal and swipe my family in a couple times to get rid of my swipes before moveout. Personally, I would go with the 90 to start. You can always buy 10 meal blocks at the end of the quarter if needed, and if you realize you need it you can upgrade to the 120 for winter and spring. You want to try to have as few remaining swipes at the end of the year as possible, because they don’t roll over to the next year and any AggieCash you get from them is less than the actual value of the swipe if used for a meal.