When I had paid vacation/sick/personal days I would NEVER leave one on the table. I couldn't see the point of not taking it if it was coming to me.
Now that I'm consulting on an hourly basis, I'm very careful about dropping time. I will take time off to travel, but otherwise I try to keep work absences to the bare minimum since they're money out of my pocket.
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Money can't buy happiness, but it's like a half-off coupon.
If you are what you eat, I'm cheap, fast, and easy.
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