Living on next year’s bonus is like tap dancing in a room filled with rattlesnakes…eventually you’re going to get bitten. Bonuses, incentive pay, and profit-sharing are all forms of monetary motivation. The common denominator is they are not guaranteed. Plans change, companies experience calamities, and mergers happen. And if you’ve been in the game long enough you’ve experienced what’s known as the “corporate adjustment,” which means too many employees are making incentive so the firm trims the plan.” It’s a roll of the dice to live a lifestyle that requires incentive pay to make ends meet. Remember, a membership to the “Jelly of the Month Club” is the gift that keeps on giving the whole year–– But you can’t use to pay next month’s bills. Merry Christmas from Bear Sen$e MarkAlanGriffis.com