Originally Posted by Grumpyaviator

It’s not sensible to think that because PS is deferred you’re not getting any. As a new hire I hoped to have the extra cash, but not being allowed to spend it has been more beneficial, increasing my present wealth and providing for my future.

However, we should each have our own choice and not let the company use “IRS rules” as an excuse for their tech debt, especially when other companies allow the employees to make individual choices.