Listen Now

In this episode of "Do More With Your Money", host TJ van Gerven discusses the topic of early exercising incentive stock options (ISOs) and the potential tax implications and trade-offs involved. He explains the concept of alternative minimum tax (AMT) and the importance of understanding the difference between the strike price and the current valuation of the shares. He also discusses the risks and benefits of early exercising ISOs, as well as the option of borrowing money to exercise them. The episode concludes with a reminder to consult with a financial advisor or tax professional before making any investment decisions.

In this podcast episode, TJ van Gerven discusses the considerations and trade-offs of accepting a tender offer, which is a solicitation to purchase equity in a private company. He explains that the most common reasons for accepting a tender offer are diversification purposes or personal financial reasons, but there are potential downsides to keep in mind. The speaker advises holding onto equity until post-IPO when shares are publicly traded and the market does a good job of pricing in future growth expectations. He also emphasizes the importance of reviewing tax planning opportunities and consulting with a tax and/or financial professional before making any decisions.

In this podcast episode, TJ van Gerven discusses the potential pitfalls of dealing with RSUs (Restricted Stock Units), a form of equity compensation. He emphasizes the importance of tax planning, diversification, and avoiding concentration risk. TJ warns against being caught off guard by taxes when RSUs vest and advises against holding too much of your company's stock. He also reminds listeners that a good company does not necessarily mean a good stock. Overall, he stresses the importance of creating a plan and being mindful of how you use your equity compensation and resources to achieve your financial goals.

Join weekly tips for pursuing FI

Join weekly tips for pursuing FI  

Join weekly tips for pursuing FI

Join weekly tips for pursuing FI

Join weekly tips for pursuing FI

Join tips for pursuing FI

Join Weekly Tips For Pursuing FI

Join weekly tips for pursuing FI

Join weekly tips for pursuing FI How should you approach exercising ISOs when you don't have the ability for a cashless exercise?  Especially common in pre-IPO situations you may not have enough cash to exercise your ISOs to get the clock ticking on long-term capital gain treatment. In this podcast episode, I share some ideas for navigating this issue.

Join weekly tips for pursuing FI Plan conservatively so you can invest aggressively. In this podcast episode, I share how you can deal with market uncertainty by focusing on the things in your control.

Join weekly tips for pursuing FI Putting too much emphasis on the "retire early" aspect of financial independence can create a scarcity mindset and limit you from obtaining what you really want sooner. In this episode, I share why "work optional" is a better mindset for most people to focus on because it allows you to take breaks along the way while create a fulfilling life experience.

Join weekly tips for pursuing FI Target date funds can be a great all-in-one solution for someone early in their investing journey who's looking to get appropriate investing exposure. However, target date funds can create some problems as you continue to grow your investment assets outside of a workplace retirement plan since they fail to take into account your complete financial picture. In this episode, I share some of the downsides target date funds can create as the complexity of your investment assets increase.

Join weekly tips for pursuing FI What are the major downsides of paying AMT when exercising ISOs? If you're not aware of the liability come tax time, you can create a cash flow nightmare. If you're aware of the liability ahead of time, the main downside is providing an interest-free loan to the IRS with the AMT credits you receive. An AMT credit is considered "non-refundable," meaning you have to have a tax liability in a future tax year that can be offset. Depending on your tax situation in future years, it could take a while to recoup your AMT credit.

Join Tips For Pursuing You most likely don't need to be paying for permanent life insurance. Term insurance is a far more cost-effective solution. In this podcast episode, I break down why you should keep your investing and insurance needs separate.

Join Tips For Pursuing FI Physician On FIRE: Tax-Loss Harvesting Guide In this episode, I break down the basics of tax-loss harvesting and some major pitfalls to be aware of.

Join Tips For Pursuing FI Financial planning is the guide that leads you from the game you are playing to the game you want to be playing.

Join Tips For Pursuing FI In this podcast episode, I explore the differences between value investing and a passive investment style (market-cap-weighted).