Chances are, you’ve benefitted from the Tax Cuts and Jobs Act. Not only will 90 percent of Americans see greater take-home pay, but job creators are using their tax savings to reward employees.

To date, more than 435 U.S. employers have publicly announced pay raises, 401(k) increases, and bonuses because of federal tax reform, benefitting over four million workers.

If you’re one of them, be smart about your tax reform bonus. Forbes contributor John Girouard has more:

One thing we know for sure is that between temporary corporate generosity, and temporary tax breaks, now more than ever is the time to be smart with the windfall. A recent Federal Reserve study found that 50 percent of those surveyed had less than $400 in their savings accounts. Another survey by personal finance website Bankrate.com found that 39 percent of Americans have less than $1,000 in an emergency fund.

At a time when, according to the Bureau of Economic Analysis, the American household savings rate stands at 2.4 percent of disposable income, the lowest rate in over a decade, it’s time to take that bonus or tax break and save it, not spend it. Recent history has shown us that periods of low savings precede market crashes (think back to right before the dot-com bubble and the housing crisis).

It’s time to be smart. Remember, all this new-found money is temporary, save it wisely.