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

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Manage episode 380049416 series 3077516
Content provided by Bernadette Joy. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Bernadette Joy or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

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]

  continue reading

78 episodes

Artwork
iconShare
 
Manage episode 380049416 series 3077516
Content provided by Bernadette Joy. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Bernadette Joy or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ppacc.player.fm/legal.

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]

  continue reading

78 episodes

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