[pkteison]

Nobody will give you an unsecured loan for 100 percent of your salary, but tech companies will happily grant you rsus for that much.

[hansvm]

100% is a bit uncommon. Take that at face value though. BigCo tech companies have much lower salaries than what you can get elsewhere. Compare a salary of X/yr plus a 4-yr RSU grant of X/yr to a salary of 3X. You absolutely can get a 50% partially secured loan for 4X to obtain similar payment characteristics to the BigCo offering (speaking in round numbers to keep the math simple, and ignoring fees, hedging, ... because they change exact thresholds and other minutiae rather than the core of the argument).