That $320k offer isn't $320k. Salary, RSUs, bonus, and 401k match collapse into a single after-tax number — then stack it against anything else on the table.
Unvested equity is a gilded cage. Before you decide to stay or leave, know the exact dollar cost of that decision — after tax, after cliff, after opportunity cost.
Most of your net worth is in one ticker. That's not a plan — it's a bet. Monte Carlo simulation, Black-Scholes valuation, and hedging tools so you can see the risk clearly and act on it.
RSU vest, bonus, and 1099 income don't play nicely with withholding. Know your effective rate and estimated bill before April — not after.
Your bank shows you a straight line to retirement. Reality isn't a straight line. Monte Carlo projection with realistic variance — so you can plan for what might actually happen.
Income is a salary. Wealth is a number that compounds while you sleep. Track every asset and liability over time — stored only in your browser, no subscriptions, no accounts.
Carry sounds simple until you run the waterfall. Model hurdle rates, catch-up mechanics, clawback risk, and after-tax wealth across realistic exit scenarios before you commit.
Rules of thumb are for people without the numbers. Pay off debt or invest? Buy or rent? Run the actual math with your rate, income, and timeline.
The IRS doesn't care that you were busy. Quarterly estimates, FBAR, K-1s — every statutory deadline pre-loaded, penalty exposure calculated so nothing sneaks up on you.
Too much in one stock? Run a Monte Carlo simulation on your equity concentration, see downside scenarios, and get a personalized diversification roadmap.
Most people leave $800–$1,200/yr on the table with the wrong card for their spending. Enter your categories once — get every major card ranked by actual return, not sign-up bonus hype.