Clichés become clichés for a reason. Tell us about the last time a bird in the hand was worth two in the bush for you.
I quit a job last fall, just a few months before I was entitled to the employer portion of the pension I’d been paying into.
Just last week I received a letter with my options for the portion of the pension I paid in:
1. I can roll it into an RRSP and pay no tax on it, thereby having an actual real time retirement savings plan of five thousand three hundred dollars (Hahahahaha 
)
2. I can cash it in right now and pay thirty percent tax on it immediately plus more when I do my taxes next year.
3. I can leave it where it is and upon retirement age (I’m on the freedom 85 plan 
) I can collect forty-six dollars per month!
Well, a bird in the hand is worth two in the bush, so I’m cashing it in! At least I will have a few thousand dollars to pay my recent dental bill instead of the thirteen cents I have in my bank account right now, and who knows if I’ll even live long enough to collect my forty six dollars a month!
Ahhh, the Universe always provides me with just what I need. Thank you Universe!
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Take your money and run. Who knows if the pension plan will crash. Eek.
Yeah, I’d rather use it now than lose it later anyway, lol.
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