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Your supervisor sounds like a miserable human being. You earned that PTO and should be able to use it as you see fit without any snide commentary or veiled threats. I get 24 days this year and will be using all of it since it does not roll in my state.
It is very nice to take the PTO the company has given me in exchange for my work?! I am open to financial compensation for not getting that benefit, though. I get 20 days and only on rare occasions do I not use all of them in the year.