A COLUMBIA 400 PLT CLBING VFR OUT OF CDW INADVERTENTLY ENTERED NEW YORK CLASS B AIRSPACE WITHOUT CLRNC.

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DEPARTING VFR FROM CDW; I INADVERTENTLY CLBED THROUGH THE FLOOR OF THE CLASS B AIRSPACE. AT 3800 FT MSL; I SAW JET TFC AT 11 O'CLOCK POS; XING L TO R. MY TCAD INFORMED ME THAT THE TFC WAS 1 MI AWAY AND 900 FT ABOVE ME. SEEING THE TFC CAUSED ME TO SWITCH THE MFD FROM THE ENG MONITORING PAGE TO THE NAV MAP. I IMMEDIATELY AND ALARMINGLY RECOGNIZED MY ERROR. AT THE TIME; I WAS APPROX 2 NM FROM THE OUTER RING OF THE CLASS B AIRSPACE. I IMMEDIATELY BEGAN AN EXPEDITED DSCNT TO GET BELOW 3000 FT MSL. THE JET TFC WAS NEVER CLOSER THAN 1 MI AND 900 FT. I WAS STILL ON CDW TWR FREQ; THOUGH OUTSIDE THEIR CLASS D AIRSPACE. I WAS SQUAWKING 1200 AND I HEARD NO CALL FROM THE TWR TO ADVISE ME THAT I HAD VIOLATED THE AIRSPACE. ALTHOUGH I AM EXTREMELY CURRENT; ALMOST ALL OF THE 100 HRS I HAVE FLOWN IN THE PAST 90 DAYS HAVE BEEN ON AN IFR FLT PLAN. THIS FLT; ON A SUNNY SATURDAY MORNING; SEEMED THE PERFECT FLT TO FLY VFR TO ALLOW FOR SIGHTSEEING IN THE MOUNTAINS OF UPSTATE NEW YORK. THE CAUSE OF THIS INCURSION WAS MY IFR MINDSET. WHEN FLYING IFR; THE CLASS B AIRSPACE IS NOT AN ISSUE. BECAUSE I FLY TO CDW ON AN IFR FLT PLAN ALMOST EVERY WK; MY IFR MINDSET TRANSFORMS THE NEW YORK CLASS B AIRSPACE INTO A NON-ISSUE. IN OTHER WORDS; THE 'MUSCLE MEMORY' IN MY BRAIN IS TRAINED TO DEPART CDW CLBING TO ASSIGNED ALT. I HAD CHOSEN 5500 AS THE CRUISE ALT FOR THIS FLT AND MY BRAIN DID AS IT ALWAYS DOES; IT WAS CLBING TO ASSIGNED ALT. WHILE I RECOGNIZE THIS ERROR WAS MY OWN AS PIC; I DO HAVE A SUGGESTION FOR HOW SIMILAR ERRORS CAN BE AVOIDED. WHEN ONE ENTERS THE DC ADIZ FLYING VFR; POTOMAC APCH SAYS; 'PROCEED ON COURSE; REMAIN OUTSIDE OF BRAVO.' IF THE CDW TWR WERE TO ADD SUCH A TAG LINE TO THEIR VFR CLRNCS; THE ISSUE WOULD BE FRONT AND CENTER FOR DEPARTING PLTS. FOR EXAMPLE; 'CESSNA 1234; CALDWELL TWR; RWY 4 CLRED FOR TKOF; REMAIN OUTSIDE OF BRAVO.'