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Just left Deloitte Friday. They want my signing bonus / retention bonus wired by Friday (7 days from separation date)
You broke the terms of the contract. You knew in advance you were planning to quit. Why should they give you time to give them back their money? And why should they work on your or some other companies timeline? The terms are put in place to deter people from leaving in the first year. They're not going to bend over backwards to make it easy for you. Be glad they're not demanding it 5 business days from when you give notice.
That is why I never spend my signing bonus until it's mine free and clear.
You could always just dip into your emergency fund knowing that you have another signing bonus coming in.