Yeah this is why I work freelance (often for startups).
The present value of cash flows is so much higher than the future value of some illiquid, highly speculative startup equity with way more restrictions than regular public stock equity.
The present value of cash flows is so much higher than the future value of some illiquid, highly speculative startup equity with way more restrictions than regular public stock equity.
10 years later I'm up 2 million on the house, lost 20,000-40,000 grand on the startup options. I wasn't forced to move in order to full vest and be tied to a dead product for 2 years while they figured out how to move anything of value into their applications.
There are a lot of ways to earn a million and taking more cash and investing yourself could yield more.
Are you tapping into the value of your home with a mortgage? Otherwise, it seems like that's even less liquid than private stock (unless you move out.)
I did tap into the value recently. It's more liquid compared to most private stock but nowhere as liquid as public stock.
The one advantage is all profits on the house are tax free.