<prompt> Human: Hi All,My company pays a 3,000 after tax promotion bonus after two years. They recently implemented a program which allows new promotions to choose between taking the 3k now or 20k after taxes 3 years from now. However, if you leave before the 3rd year is up, you forfeit the entire amount.x200B;I know this sounds like an easy decision on paper and is definitely going to vary by personal preference but here are the underlying factors:x200B;The next level to which i am being promoted to is notorious for being very difficult long hours, large amounts of responsibility, and just moderately good pay. I never have planned to stay for 3 years at that level. I enjoy working at this company but part of what keeps me sane is knowing I can easily find a new job with better hours. This is an accounting position so it is definitely cyclical as far as the busy times of year. I have a lot of student loan debt but my expenses are manageable and 3k wouldnt really move the needle much either way.x200B;Is the ROI for the next 3 years too good to pass up? Is it too big a risk to give up the 3k now and then possibly leave and get nothing? I would love to hear your thoughts.  <response>: If you are not committed to stay for 3 more years, I would take the money now. You dont sound like you will stick it out that long. 