DO MORE WITH YOUR MONEY

In this podcast episode, host TJ van Gerven discusses the concept of the Mega Backdoor Roth 401(k) and how it can be a beneficial strategy for long-term savings and tax diversification in retirement. He explains the different types of contributions available in a 401(k) plan, including pre-tax and Roth contributions. He also highlights the benefits of making strategic financial decisions early in...

In this episode of the podcast "Do More With Your Money," host TJ van Gerven discusses the wash sale rule and its implications for equity compensation. He explains what a wash sale is and how it can inadvertently be triggered with equity compensation such as restricted stock, stock purchase plans, and stock options. The consequences of triggering a wash sale are explored, including the disallowanc...

In this podcast episode, financial advisor TJ van Gerven shares insights on how to effectively work with a financial advisor. He highlights the importance of understanding different types of advisors and their compensation structures. van Gerven suggests seeking advisors who prioritize advice and have a comprehensive approach to financial planning. He recommends reputable sources for finding advis...

In this podcast episode, TJ van Gerven discusses employee stock purchase plans (ESPPs) and their benefits and trade-offs. He explains that ESPPs offer a discount on company stock, potential savings through a lookback period, and the option to sell immediately for a profit. However, he warns about holding period requirements and concentration risk. van Gerven advises listeners to assess their cash...

In this episode of the podcast "Do More With Your Money," host TJ van Gerven discusses the societal pressure to purchase real estate as a primary residence. He highlights the changing cost of ownership and interest rate environment, urging listeners to consider their goals and run the numbers before making a decision. TJ breaks down the financial implications of owning a primary residence, emphasi...

Peace of mind that comes with having financial resources. By building good financial habits and making strategic financial decisions, individuals can create a foundation of flexibility that opens up a world of possibilities. Whether it's taking time off to explore new opportunities or negotiating for higher income, financial flexibility provides the power to shape one's own future. TJ van Gerven e...

In this podcast episode, TJ van Gerven discusses portfolio construction from a holistic standpoint. He emphasizes the importance of the allocation between stocks, bonds, and cash as the largest determinant of expected return. TJ advises against overcomplicating portfolio construction by focusing on individual securities and suggests diversifying assets instead. He also highlights the significance...

In this podcast episode, TJ van Gerven discusses the dangers of not selling restricted stock immediately when it vests. He explains that while receiving vested shares may feel like a cash bonus, they are illiquid and cannot be accessed immediately. van Gerven highlights the concentration risk of holding a significant portion of one's net worth in a single stock, suggesting that owning more than 5%...

In this podcast episode, TJ van Gerven, host of "Do More With Your Money," discusses the importance of understanding the real return on cash in an inflationary environment. He advises against holding too much cash, as it can lose value over time due to inflation. van Gerven suggests considering factors such as total cash position, net cash balance, fixed expenses, and personal spending habits when...

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 an...

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 un...

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 th...

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...

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...