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> Where's the 45 days coming from?

First, many employers pay bi-weekly, but deposit is delayed one cycle. You work, then at 2 week mark timesheets are submitted & approved, and then following week the auto payment happens.

Second, there is vacation time, which can be as much as 4-6 weeks accrued but not paid out. The average employee probably carries at least a week or three.

I hope this explains. Even though paychecks may be first in line, there is significant amount of the company's risk borne by employees.




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