Crush Your Money Goals

Episode 6: The RSU Millionaire: How to Build Wealth with Restricted Stock Units


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Hi y’all, Stefanie coming to you solo today to talk about RSUs (Restricted Stock Units)!


I personally leveraged RSUs to build around $200k of my networth and I want to make sure you know the ins and outs of how they work WAY EARLIER than I did.  


Did you also know I left over $100k UN-vested when I left my job in 2022?  I’ll share how having a PLAN for your RSUs helps aid in decisions such as this + share how this could be great scenario to test out when you fill out my independence planner.   


I hope this episode helps you take advantage of your RSUs… or future awards!

Today we cover:

  • What RSUs are
  • How RSUs actually work (vesting, taxes, etc)
  • How RSUs can be used to build wealth
  • Tips for how you can best manage your RSUs… aka have a plan and strategy.

  • How you can find Bernadette & Stef:


    Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/


    You can grab Bernadette’s FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide


    Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/


    You can download Stefanie’s FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner 



    Resources from today’s episode: 


    Common types of vesting schedules: 

    • One-year cliff vesting: All of the RSUs vest at the end of the first year of employment.
    • Three-year cliff vesting: All of the RSUs vest at the end of the third year of employment.
    • Four-year cliff vesting: All of the RSUs vest at the end of the fourth year of employment.
    • Back-loaded vesting: A larger percentage of the RSUs vest in the later years of the vesting schedule. For example, 50% of the RSUs might vest in the fourth year and 50% of the RSUs might vest in the fifth year.
    • Performance-based vesting: A portion of the RSUs vests based on the employee's performance against certain goals.
    • Companies may also use a combination of these vesting schedules. If you have questions about RSUs or Vesting schedules email Stefanie at [email protected]





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      Crush Your Money GoalsBy Bernadette Joy

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