I dont understand the point of this. I've seen others say it. Whether we use the 12.5m or not shouldnt matter . It doesn't disappear, it can be rolled over to next year. Why spend money when you can save it, just because there isn't anything at the time to spend it on?
If you own a vehicle that just isn't what it use to be but you have a few others that arent quite as good but a lot cheaper and will get you by, do you still make payments on the other that you can actually get out from underneath and make money on it? Do you not sell it because you have nothing to spend the money on at the time? Do you just not sell it and put the money in the bank until you find something to spend it on? Do you keep it and keep making payments on it just because you dont have anything else to spend the money on? Kind of waste of money to me. JMO