Should I Sell My Google Stock to Buy a House - or Borrow Against It?
I hear some version of this question from Googlers pretty regularly: “Why would I sell my Google stock for a house and pay the taxes if I can just borrow against it?” I get the appeal.
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Google has created extraordinary wealth for many Googlers and Xooglers. The bigger question isn't whether you'll stay- it's whether your financial life gives you the flexibility to choose.
Read the article Concentrated stockGoogle Made You Wealthy. Now What?
If you've spent the better part of your career at Google, there's a good chance your biggest financial challenge isn't building wealth anymore. It's deciding what your wealth is actually for.
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A Googler sent me an article recently about Anthropic’ s infrastructure deal with Google Cloud.
Read the article Equity compensationRSUs Aren't Just Income. They're a Forced Investment Decision.
Most Google employees think RSUs are a compensation event. The IRS agrees. The problem is that the IRS is only describing the tax treatment. It isn't describing what actually happens.
Read the article Concentrated stockWhat Happens If You Do Nothing With Your Google Stock?
Doing nothing with your Google stock is still a decision. It just doesn’ t announce itself. There’ s no trade confirmation. No tax event.
Read the article Concentrated stockI Have $1M in Google Stock- Should I Sell or Keep Holding?
At some point the position stopped feeling like compensation. It started feeling like a decision you've been putting off.
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If you've worked with a financial advisor for any length of time, you've probably brought something up that you read about or heard about.
Read the article Concentrated stockGoogle Just Had Its Best Quarter Ever. If You Hold the Stock, Read This
In Jurassic Park, the scientists didn’ t fail because they lacked intelligence. They solved every problem in front of them. The system worked exactly as designed.
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What Actually Matters When the Charts Are Saying "Stay"If you're a Google employee with RSUs or a concentrated stock position, this is the decision you're actually facing.
Read the article Retirement planningWhat a 3% COLA Assumption Actually Means If You’re a Google Employee Planning to Retire on RSUs
Most retirement plans don’ t fail because people are too aggressive. They fail because they’ re just reasonable enough to go unquestioned.
Read the article Concentrated stockWhy Selling Concentrated Stock Isn’t the Decision You Think It Is
The biggest tax mistake I see isn’ t people doing something reckless. It’ s people doing exactly what they’ re supposed to do. And getting hit with a six-figure tax bill they never saw coming.
Read the article Equity compensationFinancial Planning for Technology Employees with RSU Compensation
Employees at large technology companies often receive a meaningful portion of their total compensation through equity incentives such as Restricted Stock Units (RSUs).
Read the article Concentrated stockManaging Concentrated Stock Positions for Technology Employees
For many employees at large technology companies, Restricted Stock Units (RSUs) can accumulate into a significant portion of their net worth over time.
Read the article Equity compensationShould Technology Employees Sell RSUs Immediately?
When RSUs vest, the shares are already taxed as income. The real question is whether you would buy that much of 1 company's stock with the cash.
Read the article Concentrated stockSell the Stock or Borrow Against It?
Borrowing against company stock for a house keeps the shares and defers the tax bill. The step that gets skipped is running the scenario where the stock drops.
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