> but it should be required to be backloaded instead of front loaded in the training case (i.e, at the end of the year they give you a bonus equivalent to the t

> but it should be required to be backloaded instead of front loaded in the training case (i.e, at the end of the year they give you a bonus equivalent to the training cost (and a commensurately lower salary during the year) That would be quite unfair to the worker who misses out on opportunity throughout the year for not having access to the money. The business is actually incentivized to structure it this way since they can realize the opportunity themselves, but in practice workers would run away as fast as possible if a business tried this, more than negating the potential upside. > mainly because people are just really bad at saving for known "rainy day issues". One can always negotiate this if they are willing to trade opportunity for less risk in managing their personal finances. A business is unlikely to say no as it is to its benefit. It wouldn't be a sensible default for either party, however.