Hi y’all, Stefanie coming to you solo today to talk about RSUs (Restricted Stock Units)!

I personally leveraged RSUs to build around $200k of my networth and I want to make sure you know the ins and outs of how they work WAY EARLIER than I did.  

Did you also know I left over $100k UN-vested when I left my job in 2022?  I’ll share how having a PLAN for your RSUs helps aid in decisions such as this + share how this could be great scenario to test out when you fill out my independence planner.   

I hope this episode helps you take advantage of your RSUs… or future awards!
Today we cover:

What RSUs are

How RSUs actually work (vesting, taxes, etc)

How RSUs can be used to build wealth

Tips for how you can best manage your RSUs… aka have a plan and strategy.


How you can find Bernadette & Stef:

Follow Bernadette on Instagram at https://www.instagram.com/bernadebtjoy/

You can grab Bernadette’s FREE guide on The 10 Money Tools You Need Right Now at www.crushyourmoneygoals.com/freeguide

Follow Stefanie on Instagram at https://www.instagram.com/womenswealtheffect/

You can download Stefanie’s FREE Independence Planner to help you create clarity, control and confidence with your financial independence journey at www.womenswealtheffect.com/planner 


Resources from today’s episode: 

Common types of vesting schedules: 

One-year cliff vesting: All of the RSUs vest at the end of the first year of employment.

Three-year cliff vesting: All of the RSUs vest at the end of the third year of employment.

Four-year cliff vesting: All of the RSUs vest at the end of the fourth year of employment.

Back-loaded vesting: A larger percentage of the RSUs vest in the later years of the vesting schedule. For example, 50% of the RSUs might vest in the fourth year and 50% of the RSUs might vest in the fifth year.

Performance-based vesting: A portion of the RSUs vests based on the employee's performance against certain goals.

Companies may also use a combination of these vesting schedules. If you have questions about RSUs or Vesting schedules email Stefanie at womenswealtheffect@gmail.com