 you will have an employer that sits you down and says something like, I see something in you, and I'm planning on doing this, so in three years or two years or in six years, I'm going to do this, and then we're going to do this, and then this is how this is going to impact you. And over my quarter century of work, I have gotten excited about other people's plans for me. I have spent imaginary money and had it not work out.