I've been ice fishing many times in my life. But, it's the first time I've caught an NI! It's probably because I had some help with my gear from my friendly fishing neighbours, Dave, Emilee, and Brendon.
This is the money you actually get from your paycheque or income each month after payroll deductions, benefits, and taxes.
Thank again to Emilee, Dave, and Brendon for lending a 'hook' to catch this acronym!