Episode 46

The Bonus Blueprint: How to Stop Your Biggest Checks From Disappearing

Episode Description

Have you ever had a bonus hit…felt great for a few days…and then realized nothing really changed?

That’s not an income problem. It’s a system problem.

In my latest episode of The Big Bo $how — The Bonus Blueprint: How to Stop Your Biggest Checks From Disappearing — I break down why variable income (bonuses, RSUs, commissions) quietly disappears without a plan, and what actually creates long-term progress instead.

In this episode, we cover:

✔ Why big checks often increase lifestyle instead of net worth

✔ The mindset shift: Base pay runs the household. Variable pay builds the future.

✔ The 5 bucket framework I use to give every bonus a job before it’s spent

✔ Why growing your fixed monthly “appetite” with variable income creates pressure, not freedom

If you’re earning more but don’t feel ahead, this episode will hit home.

Episode Transcript

When that bonus hits, do you feel rich for about 48 hours? And then two weeks later you’re staring at your account thinking, wait… where did that money go?

Because I’ve been watching this happen for over 20 years — partners, managing directors, tech executives with seven-figure RSU packages. Smart people, huge incomes… and yet they still feel like they’re running on a treadmill.

Not because they don’t make enough. Because nobody ever showed them how to deploy their biggest checks.

Bonus season exposes it.

End of December. Early January. RSUs vest. Commissions hit. Big deposits land. And most people treat it like a reward — a celebration — a lifestyle upgrade.

But here’s the truth most people learn too late:

Moments don’t build wealth. Systems do.

So in this episode, I’m giving you the exact framework I use with my own clients to make sure bonuses don’t disappear into nothing. I call it The Bonus Blueprint — five buckets, one order, no guessing — so your next big check actually changes your financial life, not just your weekend.

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  SEGMENT 1 — Why Big Checks Disappear (Without You Realizing It)

  Most people don’t waste their bonus. They just never assign it. And that’s a huge difference, because for a lot of high earners this isn’t a small holiday bonus — this is the biggest check you see all year.

  It might be:

  • RSUs vesting

  • Commission season

  • A partnership distribution

  • A major year-end bonus
    

  And yet… it’s the money people handle with the least discipline.

  Why? Because it doesn’t feel like income. It feels like extra. It feels like permission. The money hits checking and once it hits checking, your lifestyle starts calling the plays — not because you’re reckless, because you’re human.

  So the bonus gets quietly deployed into:

  • A few big nights out

  • A trip you “deserved”

  • A purchase that becomes a habit

  • A couple upgrades that now feel normal
    

  And then whatever’s left becomes the plan.

  Except there is no plan.

  Just leftovers.

  And leftovers don’t build wealth — they build clutter, stress, and a lifestyle that requires you to keep earning at a high level forever. That’s not freedom. That’s pressure.

  Now, I’m not anti-reward. I’m not telling you to live like a monk. I’m telling you: stop letting emotions make permanent financial decisions. Because if you’re a high earner, your income isn’t one clean number — it’s base pay plus variable pay. And variable pay needs rules, or it turns into chaos.

  Here’s the mindset shift I want you to steal:

  Base pay runs the household. Variable pay builds the future.

  That’s the line.

  If you treat variable money like “more lifestyle,” you’ll earn more and still feel behind. If you treat variable money like fuel, your life starts changing quietly over time.

  SEGMENT 2 — The Bonus Blueprint (Five Buckets, One Order)

  A bonus should not be a celebration first. It should be a strategy first.

  So here’s the first real rule: when a bonus hits — when RSUs vest — when commissions spike — that money does not go into checking. Because once it hits checking, your lifestyle starts shopping.

  So it goes into a holding account first. A buffer between you and impulse.

  Now we run the system.

  Five buckets. One order. Miss the order and the whole thing breaks.

  Bucket #1 — Taxes

  This is where most people get sloppy… and then shocked. RSUs, bonuses, K-1s, commissions — they create tax landmines. April isn’t when you find out what you owe. April is when you find out whether you planned. Before you invest a dollar, before you book a trip, before you upgrade anything, you carve out what the IRS is going to take — because the IRS is undefeated.

  Bucket #2 — Sleep-Well Money

  This is where wealthy people separate themselves from high earners. High earners chase returns. Wealthy people build margin of safety:

  • liquidity

  • reserves

  • breathing room
    

  This is the money that lets you say, “I don’t need this job — I choose this job.” And that changes how you negotiate, how you invest, how you walk into meetings, and how you sleep at night. Peace of mind isn’t about returns. It’s about how much uncertainty you’ve removed.

  Bucket #3 — High-Interest Debt

  If you’re carrying high-interest debt while receiving bonuses, you’re trying to fill a bucket with a hole in it. Clean it up — because every dollar going to high interest is a dollar not building your future.

  Bucket #4 — Investing & Long-Term Goals

  This is where a one-time check becomes permanent progress — retirement, brokerage, college funding, long-term goals. Not based on vibes. Not based on headlines. Based on a plan with a real time horizon. This is how money starts working harder than you do.

  Bucket #5 — Lifestyle (Last)

  Yes, you can enjoy your money. But here’s the rule: lifestyle is last and it’s chosen in advance. Because if lifestyle comes first, your future comes last. And the bigger your lifestyle gets today, the more expensive your life becomes tomorrow. That’s how six-figure bonuses disappear without changing your life.

  Here’s the order again — don’t mess this up:

  • Taxes

  • Sleep-well money

  • Debt

  • Investing

  • Lifestyle (planned, intentional)
    

  BO KNOW$ — The Two-Minute Drill

  Alright, now it’s Bo Know$ time.

  Picture this: you walk into a playoff watch party absolutely starving. When you’re starving, you don’t make good decisions. You’re not reading labels, you’re not thinking long-term — you’re just grabbing whatever’s closest. Nachos, wings, chips, a slider… and hey, why not another slider?

  That’s what happens with bonuses.

  People treat a bonus like a tailgate table: “Oh wow, money’s here. Let me grab, grab, grab.” And before you know it, the plate is full and nothing meaningful changed — except maybe your waistline.

  Here’s the mistake: a bonus should be a tool, but most people use it like permission. And the biggest way people mess this up is they take variable money — bonuses, RSUs, commissions — and they use it to increase fixed lifestyle.

  That’s the difference between enjoying your money and signing yourself up for higher stress every month. Because now that bigger house, that nicer car, that upgraded life has to be fed every single month. And once your lifestyle appetite becomes the baseline, you can’t unsee it.

  So here’s your Bo Know$ rule — the Two-Minute Drill:

  When the bonus hits, give it two minutes of discipline before you give yourself two seconds of celebration.

  Before you buy anything, before you upgrade anything — you run the Bonus Blueprint:

  • Taxes

  • Sleep-well money

  • Debt

  • Investing

  • Lifestyle (planned, intentional, guilt-free)
    

  Great teams don’t win because they score in the first quarter. They win because they execute when it matters late in the game. Your bonus is a late-game drive. If you blow it on impulse purchases, that’s like burning timeouts for no reason. But if you run the system first, you’re controlling the clock — you’re controlling the game.

  Homework: write down the five buckets before the money arrives. Because if you wait until it hits, your emotions will call the plays.

  Wrap-Up

  A bonus isn’t permission. It’s fuel. And if you want your financial life to feel different, your bonus needs a job before your lifestyle gives it one. Five buckets, one order: taxes, sleep-well money, debt, investing, lifestyle. That’s how bonus season becomes real progress.

  At Julius Wealth Advisors, everything we do is grounded in three things: Integrity, Knowledge, Passion. If you want help building a coordinated plan — cash flow, investing, tax planning, protection — visit JuliusWealthAdvisors.com. No pressure, just a real conversation.

About Jason

Jason Blumstein, CFA, is the founder and CEO of Julius Wealth Advisors, an independent boutique RIA serving clients nationwide from Englewood Cliffs, New Jersey. His passion for investing began at just 10 years old, when his grandfather Julius turned off the cartoons, turned on CNBC, and began teaching him about stocks, discipline, and the values that build a meaningful life.Shaped by early family financial hardship and inspired by Julius’s integrity and generosity, Jason built a career by gaining experience with PwC, Morgan Stanley, and J.P. Morgan. With a mission of offering transparent, education-forward planning rooted in Integrity, Knowledge, and Passion, Jason founded Julius Wealth Advisors in 2021. The firm operates in a fiduciary, client-aligned model built around long-term partnership.Building Wealth Is By Choice, Not ChanceToday, Jason partners with High Earners, Not Wealthy Yet (HENWY) families ages 35–50, helping them build long-term, sustainable wealth through disciplined planning, deeply personal guidance, and analytical rigor he gained as a CFA® charterholder. He is known for his boutique, high-touch service, and for the educational clarity he brings to every conversation through The Big Bo $how podcast and Wealth of Knowledge blog. Outside the office, Jason is a proud husband and father of two. He loves all sports, working out, watching the NFL (he has a complicated relationship with the Dolphins), rooting for the Mets, and staying active—a continuation of his college football days. To learn more about Jason, connect with him on LinkedIn.

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Disclosures:

This piece contains general information that is not suitable for everyone and was prepared for informational purposes only.  Nothing contained herein should be construed as a solicitation to buy or sell any security or as an offer to provide investment advice. The information contained herein has been obtained from sources believed to be reliable, but the accuracy of the information cannot be guaranteed. Past performance does not guarantee any future results. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. For additional information about Julius Wealth Advisors, including its services and fees, contact us or visit adviserinfo.sec.gov.