Like I said in my OP, the one who gives it to me for vacation. Otherwise my savings account grows by $7500 and I take a very modest vacation, which is probably worse for me in the long run. Also, I'm not the only one who makes decisions, and I know that if I told my wife we had to spend $7500 on vacation she would be much happier than if I told her I got a $7500 raise that was going in the bank.