Pinnacles and Challenge numbers form the long range back ground of your life.  Universal and Personal Years are shorter term foreground or stronger energies that change yearly. The Universal Year is the energy that we are all subjected to, for example, 2022 is a 6 Universal Year, this energy is forced upon us all by the universe for us to deal with.  Your Personal Year is the energy that is strongest for you personally and should be used to guide you, e.g. knowing when to act and when to wait. Taking the Universal Year and your Personal Year into account in your plans will prove extremely useful.