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How I Manage My Money As A Solopreneur ๐ŸŽ™

How I Manage My Money As A Solopreneur ๐ŸŽ™

On this Do More With Your Money podcast episode, I discuss how I manage my money from the perspective of a solopreneur. As always, personal finance is personal, so keep that in mind when you're listening and considering what may or may not apply to your personal...

Am I Sitting On Too Much Cash?

Am I Sitting On Too Much Cash?

"I have money going to my savings account each paycheck that I don't know what I should be doing with; what should I be doing with it?"   Let's start with the ever-important caveat that personal finance is personal, and as always, "it depends." With that out of...

Four Financial Tips For Newly Married Couples

Four Financial Tips For Newly Married Couples

One of the biggest (if not the biggest) investments you can make is choosing a lifelong partner. You and your partner must be aware of each other's values, goals, and desires as it relates to your money. There is no perfect strategy when it comes to managing finances...

T.J. van Gerven

T.J. van Gerven
In this podcast episode, I discuss a common problem with exercising incentive stock options (ISOs) to try to optimize for long-term capital gain (LTCG) treatment. I also discuss potential cash flow issues when you're caught off guard by potential alternative minimum tax (AMT) exposure. If youโ€™re concerned about FOMO, it's important to remind yourself how much illiquid โ€œskin in the gameโ€ you still have. Donโ€™t keep playing a game youโ€™ve already won to try to save a little bit on taxes.
An Overlooked Problem With Exercising ISOs To Try To Optimize For LTCG
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_uU63zF4mFlw
In this podcast episode, I discuss why you should be focusing on negotiating your equity compensation instead of your salary, especially earlier in your career. Equity ownership is the surest path to wealth. If you're going to work your butt off for a company, make sure you strive to get your fair share. If you end up receiving a windfall from your equity compensation, it can set you up for the rest of your life on the path to financial independence.
Don't Negotiate Your Salary. Negotiate Your Equity Compensation.
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_Tp8b8MPQ7oM
In this podcast episode, I discuss if you should factor in not yet vested employee equity compensation (whether RSUs or Stock Options) in your overall asset allocation. I also discuss ways to determine what percentage of your net worth you should feel comfortable owning in a single asset (in this case, your company's stock). If you've won the game, why are you still playing?
Should You Factor In Unvested RSUs and Stock Options In Your Asset Allocation?
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_ITdSPjmcO2Y
In this podcast episode, I break down what an 83(b) election is and why employees of startups should consider filing one. I also explain situations when filing an 83(b) election may not make sense.
Why Startup Employees Need To Consider An 83(b) Election On Restricted Stock
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_R9abq09Lg-g
In this podcast episode, I explain why Restricted Stock Units (RSUs) are preferable to stock options as equity compensation. I also break down a common misconception about how RSUs are taxed.
Why RSUs Are Preferable To Stock Options As Equity Compensation
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_j_hQIRbQOLg
In this podcast episode, I break down why you should be maxing a Backdoor Roth IRA in addition to your 401(k).
Why You Should Be Using A (Backdoor) Roth IRA In Addition To Your 401(k)
YouTube Video UCxejrzu3vF5dc9V3tb9uOoQ_FemKxLAMCpA
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