What I was specifically thinking of is, my DH gets RMDs from an inherited IRA. His mother, bless her, put a high value on education and travel. We use the main inheritance, in part, to pay for our children's education, and we earmark the RMDs for family travel. I would be perfectly comfortable charging a vacation, knowing the RMDs were landing the following month to pay off the bill. You pick the date the RMDs are taken--we chose our FIL's birthday--and you know on the first of the year exactly how much you'll be getting. So, it's not even some nebulous, "I think I'm getting a bonus next month" thing, it's a specific amount arriving on a specific day. Personally, I wouldn't do that with a bonus, unless I knew the amount and when it would be arriving. Nothing wrong with thinking, "Ooh, we'll use the bonus to go to WDW!", but until you know how much, don't actually book anything. You may be staying Grand Floridian concierge, or you may be at the Motel 6 up the road. It would suck to book GF and have to cancel, or end up going in major debt because the bonus didn't materialize.