Oh I definitely do not think there is any one completely "correct" answer.

Taking everything right now, if there aren't any benefits of a delayed pay out, is the correct move TO ME.

It did come as a surprise that a lot of people saw it as a form of "enforced disciplined savings". In that sense, if their uncontrollable impulses would have squandered it all away, leaving nothing for their end of year financial commitments, I could see why that would be the preferred option instead.

I just find it interesting that a big group of people, even in the same working environment, can come up with very different answers. It helps to open one's mind instead of being stuck in our own echo chambers within our own social groups. 🤔