<prompt> Human: My company is changing the Paid Time Off plan for employees. There are a lot of reasons for this change but one of them is to get all the banked time off the books. I have a choice of cashing out all the PTO I have after the first of the year or I can carry over it over one more year and then whatever is left gets cashed out in 2020. If I carry over I will still earn more PTO with the new plan which does have more stringent guidelines and in some ways less favorable to the current plan.For background, I have no consumer debt and emergency fundretirementsavings all are good.I want to use some of the payout for a trip of a lifetime somewhere TBD.I have a ton of hours banked and the payout will be a little over 27 of my current salary 90k In addition, the company will kick in another 6 of the gross amount into my retirement. My regular contribution from the gross goes in too So I could do this in 2019 or 2020.If I do it in 2019, I get a big fat check, a great boost to my retirement portfolio but Id have to wait for about 6-7 months to have enough time off to go on the trip I want to do 3 weeks If I do it in 2020, the check will get paid at my salary in 202O which will be higher, Ill have enough banked time to take a long trip whenever but that boost to my retirement gets delayed by a whole year and so does the trip Last option would be to not take the check, dip into savings and the PTO bank for the trip in 2019 and take a smaller payout and boost to my retirement in 2020. Thoughts anyone?  <response>: In the long term, I dont see it mattering that much. Think about 5 years from now. Youll have taken the PTO money, spent most of it, and gone on vacation.I would say though, regarding your last option, that savings isnt savings if you use it for vacation. 