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Layoffs on the horizon?
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Because you can carry over to next year
I always save at least a week in case something happens like if I leave voluntarily or involuntarily my company will cash it out. The other part is the amount of work I need to get done in order to take pto mostly makes it not worth it. Bosses and teams are not always expected to cover for each other so I have to do my reg workload plus get ahead on anything that might come up, plus potentially come back to a ton of work if something changed while I was gone.
Rising Star
I almost always carry over the maximum number of hours, so I can start the new year with a full 5 days of PTO as I only accrue at a rate of 8.615 hours a pay period. If kids need to stay home or something unforeseen, I want it available.