DL_Wealth: 55% net worth in RSUs

- A tech couple earning $450K combined revealed 55% of their net worth was concentrated in one employer's RSUs and they had no systematic plan for vesting or sales. - Advice in the thread included sell‑on‑vest rules, cash restructuring, backdoor Roths, and direct indexing for tax‑loss harvesting, while other posts warned that many startup options are effectively worthless. - The discussion stresses coordinated equity, tax and estate planning for high earners to avoid concentration and liquidity traps. (x.com 1) (x.com 2) (x.com 3)