The first part of any plan is knowing what one will be making. Since I am a union member, and part of our collective bargaining team, I now know exactly what I'll be making in 2008: precisely the same amount I made in 2007!
However, I will be getting a lump sum in January, 2008. That's the good news. The semi-bad news is that in January, I owe both my daughter's private school tuition and tuition and books for my granddaughter in community college. The lump sum plus another couple of hundred will just about cover both.
Of course, I would owe all that tuition whether or not I get a lump sum, so getting the money is better than not getting it.
But it would have been nice if I could actually see, smell, touch even an extra dollar!
Sadly, it is not to be.