Fred: Dude, how is this Christmas going to be? Any plans yet?
You: Plans? How do you mean?
Fred: I mean, we’ll be paid our 13th-month bonus along with other allowances. What’s your plan? I’m sure you’ll paint the town red with so much money at your disposal right considering how COVID forced a low-key celebration last year?
You: well… It depends on what you mean by painting the town red.
Fred: I mean ‘Dettying December’, having unreserved fun, attending events, splurging and partying with the boys all day every day until New Year.
You: Sounds good but does the unreserved fun include a plan for your tomorrow?
Fred: Ermmm…what are you talking about?
You: Dude, 13th month bonus and any other bonus for that matter are like big alarms reminding me to plan for my tomorrow. Make no mistake I will be having fun this Christmas because I’ve worked hard for it… but I also won’t forget to make an Additional Voluntary Contribution to my RSA for the day when there will be no more 13th month bonus coming in. So, if you plan to have unreserved fun and Detty December today, you better plan for it tomorrow too.