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I'm a supervisor at a Bay Area/Silicon Valley tech company. First off, it's tragic that the conclusion you've come to in this thread is to blame yourself. Obviously you have agency and power in this situation, but you should also recognize that you're being dealt a poor hand. Any team member who cre...

Another San Francisco parent here! You're going to have an awesome trip. Two sites that haven't been mentioned are the Children's Creativity Museum at Yerba Buena Gardens and Children's Fairyland , across the Bay Bridge in Oakland. (Yes, Oakland is cool now!) An option when traveling with the family...

AFAIK, the Roth income limits refer to compensation income, not investment income and the like. Rental income is excluded when determining Roth eligibility.

Thank you for all the incredibly helpful responses. I am much clearer about what I need to do now. I will probably not sell any of the taxable accounts (as I have gains in all of them), and instead try to "mimic" the total-market equivalents by reallocating. I will also try to up my bond p...

Hi! We are a couple who moved to the USA from Australia, along with our now three-year-old kid, just over a year ago. I had a tiny amount of money in retirement accounts from early days in low-paying jobs in the States, but we started basically from scratch when we moved. I was excited by Vanguard f...

I would have presumed for a company that is not floated, that is issuing shares as part of a compensation package, that you would be getting a percentage of a company (which may or may not then be worth anything in the future). Which would mean that it has some value. (i would still value it is Zer...

Thank you for the thoughtful responses! I suppose it's grok87's point that is holding me up on this. If the options should be value at zero for investment purposes, why should they have a positive value when considering whether it's worth taking (or holding on to) a job? That thinking seems emotiona...

Hi Bogleheads! First thread I've started. Hope it's not too stupid. :) I work for a tech company that offers stock options as part of its compensation. These options are completely illiquid until a "liquidity event" (eg an IPO), and even then, they may have zero value (eg if the market sha...

We are in a similar situation. A couple of thoughts to add to others' excellent feedback: 1. Although the SF school system is a lottery, you do have some choice. Generally everyone tries to get their kid into the top-ranked schools on greatschools.org, which use test score data as a primary input. H...