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Overleverage: My journey to single handedly return from the brink of bankruptcyOverleverage: My journey to single handedly return from the brink of bankruptcy. Thursday, November 20, 2014. The company I work for has the option to "cash out" some of your PTO and receive the money as a type of extra bonus instead of taking the time off. The two conditions are. 1) You can only cash out your PTO twice per year. 2) You must leave at least 40 hours in your PTO bank. I had 140 hours in my PTO bank and received a check for 100 hours of extra pay. This will make a big dent in my debt pay off.
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