[sombremesa]

> They are all multi millionaires.

Sure, but so am I — and I know for a fact they make very little, because of the way they talk about our mutual friends' job offers — I cannot even tell them my salary, to be honest. (Making less money is not a bad thing, but the pertinent point is that they work longer hours than I do, in the same industry!)

> Msft stock is up 10X in 10 years.

Here I'd like to correct you on one point — stock going up like this does not necessarily equate to outsized wealth. When you join as a new grad, you get very little stock, and as you get more grants, they are market-adjusted (not to mention vested over time). Plus the early stock inevitably gets sold to buy a home, etc.

Feel free to ignore me if you knew these things.

[ethanbond]

They’re complacent but work harder than you? I don’t get it.

[sombremesa]

I updated the wording to help you out.

[User23]

If you’re smart enough to pay the tax on your RSUs and hold them for a decade then yeah it’s a pretty straight shot to a few mil. Even Amazon with its notoriously back loaded grants minted a ton of level 5 multimillionaires.

[sombremesa]

You missed the "personal" part of "personal finance." If you live in Seattle and started working in, say 2012, that "smart" decision would be costing you a ton of money today (certainly more than a few mil all said and done) should you be in need of a home.