Creating table with dynamic columns using the PIVOT command - sql-server

Question

I have the following TSQL that I have been trying, without luck, to do 2 things with:
convert Nulls to 0
output to a temporary table I can use for
other operations.
Part of the result is captured in the attached:
What changes do I need to make to both capture the result into a temp table with dynamic columns, and eliminate the nulls?
Thanks.
DECLARE #cols NVARCHAR(MAX), #stmt NVARCHAR(MAX), #ParmDefinition NVARCHAR(MAX), #PVT3 NVARCHAR(MAX);
--Get distinct values of the PIVOT Column
SELECT #cols = ISNULL(#cols+', ', '')+'['+T.Cat+']'
FROM
(
SELECT TOP 100 CONVERT( VARCHAR(2), IncomeCategoryID) AS Cat
FROM Payroll.lu_IncomeCategory
WHERE IsAllowance <> 0
AND IncomeCategoryID IN
(
SELECT DISTINCT
IncomeCategoryID
FROM Payroll.Income
WHERE IncomeCategoryID <> 0
)
ORDER BY IncomeCategoryID
) AS T;
SELECT #stmt = N'
SELECT *
FROM (SELECT EmployeeID,IncomeCategoryID,
SUM(RateAmount) [Amount]
FROM Payroll.Income
GROUP BY EmployeeID, IncomeCategoryID ) as PayData
pivot
(
SUM([Amount])
FOR IncomeCategoryID IN ('+#cols+')
) as IncomePivot';
EXEC sp_executesql
#stmt = #stmt;

Answer 1

Done.
For the first challenge, it worked after using the #NullToZeroCols example in one of the previous posts on this forum. For my second challenge, I eventually Selected Into a Non-Temporary table which I can search for and drop each time I execute my TSQL command. I learnt the scope of the previously created temporary table could not allow me to use it after the PIVOT command was executed.