Originally Posted by forgot to bid

The only way you can sell a loss in W2 pay is to say you transferred at risk pay to guaranteed pay.

Sure nobody knows the future but I think it's safe to assume if we're not in an economy where we are having profits we will inevitably be in an economy we're we are asked to provide concessions.

So the end result is trading at risk pay for guaranteed pay amounts to taking less W2 whether the economy is good or bad.