In this podcast episode, I break down the key things to understand when it comes to interpreting your equity compensation vesting schedule.

It's crucial to understand your vesting schedule so that you can be mindful of your timeline for working at the company without leaving substantial money on the table.

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Do you want help managing your equity compensation?

Learn how to:

• Optimize Taxes
• Diversify Your Company Stock
• Solidify Your Path To Financial Independence

Click here to start your FREE assessment.

In this podcast episode, I share my thoughts around what it means to "win financially in your twenties".

By creating a vision early on of where you want to go, and taking micro-actions towards achieving that vision, can help you enjoy the present while not sacrificing your financial future.

If you can achieve the balance of enjoying yourself in the present without feeling like you're sacrificing your lifestyle while building towards future financial success, you're winning :)

Do you need to be worried about inflation? Why or why not? As always, it depends :)

In this podcast episode, I break down a few key habits that will help you determine if you need to be concerned about inflation expectations.

There's a lot of talk right now about the rising costs of goods and services given the amount of money in circulation from monetary policy response to the pandemic.

While this may cause an increase in inflation, economic forecasts are never certain, and it's best to focus on the planning strategies that are within your control.

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Do you want help managing your equity compensation?

Learn how to:

• Optimize Taxes
• Diversify Your Company Stock
• Solidify Your Path To Financial Independence

Click here to start your FREE assessment.

In this podcast episode, I break down the basics of quarterly estimated tax payments, when you need to make them, and how to satisfy safe harbor rules for avoiding underpayment penalties.

Especially for those with equity compensation, it's crucial to figure out if taxes are being withheld from the various forms of RSUs, options, and ESPP discounts.

That way, you can avoid being caught off guard by a large tax bill come tax time!

Lastly, if you have any recommendations for topics you'd like to hear discussed or questions you'd like answered in a future episode, shoot me an email at TJ @modernwealthbuilders.com

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Do you want help managing your equity compensation?

Learn how to:

• Optimize Taxes
• Diversify Your Company Stock
• Solidify Your Path To Financial Independence

Click here to start your FREE assessment.

In this podcast episode, I share why you should never sweat the opportunity cost of creating and maintaining a dedicated cash reserve.

I also share some rules of thumb for how you can start to determine the right cash reserve for you.

Can you quantify the expected return on peace of mind? I can't. To me, it's infinite.

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Do you want help managing your equity compensation?

Learn how to:

• Optimize Taxes
• Diversify Your Company Stock
• Solidify Your Path To Financial Independence

Click here to start your FREE assessment.

If you're looking to be sold on an investment, eventually, you'll find someone who will sell you an investment.

Instead of looking for an investment, ask yourself what you're trying to achieve.

What's your why?

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Do you want help managing your equity compensation?

Learn how to:

• Optimize Taxes
• Diversify Your Company Stock
• Solidify Your Path To Financial Independence

Click here to start your FREE assessment.

Do you want help managing your equity compensation?

Learn how to:

• Optimize Taxes
• Diversify Your Company Stock
• Solidify Your Path To Financial Independence

Click here to start your FREE assessment.

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In this podcast episode, I share an assortment of timeless money lessons.

I hope you enjoy these nuggets of money wisdom!

In this podcast episode, I share strategies for maximizing tax-preferential accounts like 401(k)s when creating a large tax liability by diversifying company stock.

Make sure that you're fully utilizing a pre-tax 401(k) if you're in an abnormally high tax bracket due to a windfall via equity compensation.

Make the most of your resources by filling up tax-preferential accounts in preparation for financial independence.

Money is fungible - make it do more! :)

Remind yourself that when RSUs vest and you don't immediately sell, you're making an active decision to increase your exposure in your company's stock. Unless you made an 83(b) election at grant, there's no avoiding being taxed as income at vesting.

You should be skeptical about pre-paying taxes on equity comp of an already publicly traded company over short time horizons. You can reasonably expect an increase from private to public, but once publicly traded, the collective market is pretty good at pricing expectations.

This and more in today's DO MORE WITH YOUR MONEY podcast episode!

In this podcast episode, I share three things you need to do when anticipating a windfall from equity compensation.

1) What type of equity do you own? Restricted Stock Units, Incentive Stock Options, Non-Qualified Stock Options, or a combination?

2) What is the vesting schedule of your equity comp? How much is currently vested vs. unvested? What are the exercise prices and expiration dates on any options? What is the blackout period for trading, and can you exercise unvested options to try to optimize for long-term capital gain treatment?

3) What's your long-term vision for creating your ideal life? How do you want to use the windfall to maximize happiness and fulfillment? Is financial independence important to you?