<prompt> Human: Hi PF,My work came out with an option on our promotion bonuses. I can either take 5k now or I can defer the bonus for 25k in 3 years if I dont leave the company.I have an EF, no debt, and some retirement savings. IE if I get the 5k now I would invest it for retirement.I feel like its a bit of a gamble to forego the guaranteed 5k so Im leaning towards that. If I took the deferral I would basically be committing myself for 3 years.Am I thinking about this the right way?  <response>: It depends on if you like your job and how long you think you can last. I would defer the bonus, and if a better job comes along try to negotiate a 5000 signing bonus. Keep in mind too, this choice somewhat signals to management your long term intentions. 