See it
Cash, vested equity, unvested equity, debts and real spending on one screen — with your concentration percentage stated plainly. This is the personal financial statement a lender would build about you. Most people have never seen their own.
For tech & sales earners paid in equity
You can recite your comp package from memory and not tell me what you're worth. Half of it is in one company's stock. Some of it is taxed in ways nobody explained. And every April there's a surprise. A high income and real wealth are different things. The gap between them is where most people lose a decade.
The spreadsheet that puts your cash, equity, debts and real spending on one screen — including the concentration number nobody wants to look at. Plus a seat at the next live class.
Sound familiar?
TLDR: Equity compensation is a pay package and a tax event and an investment position, all at once — and almost nobody treats it as all three. Treated as pay, you over-spend it. Treated as an investment, you over-concentrate in it. Treated as a tax event too late, you overpay. The people who do well don't pick better stocks; they just have a written rule for what happens on each vest date.
The actual diagnosis
When you can't see the whole picture, a big paycheck feels like permission and a big unvested number feels like safety. Neither is true. And the moment the market wobbles or a down round lands, the anxiety of "am I actually behind?" sends otherwise disciplined people chasing the fast fix.
You don't need a better bet. You need a system that converts a great income into wealth automatically — so the outcome doesn't depend on one company, one quarter, or one good decision made under stress.
The method
Three steps, in this order. High earners love to skip to step three — and end up with a sophisticated portfolio sitting on top of an invisible, leaking foundation.
Cash, vested equity, unvested equity, debts and real spending on one screen — with your concentration percentage stated plainly. This is the personal financial statement a lender would build about you. Most people have never seen their own.
Two leaks, both big. The lifestyle ratchet that quietly absorbed your last three raises, and the tax leak — under-withholding on vests, botched ESPP cost basis, AMT you could have planned around.
A written, automatic rule for every vest and every bonus: how much sells on day one, where it goes, and what percentage of your net worth you'll never let one ticker exceed. Decided calmly in advance, executed without a debate.
Step one, free
A spreadsheet, not an app. Download three months of transactions, paste three columns, and it sorts the rest. No bank login, no subscription, and no startup quietly reselling your spending data.
Works in Excel or Google Sheets. Setup takes about 25 minutes.
Mission Control — sample
Illustrative figures. Your copy fills in from your own numbers.
Step two, also free
Live and jargon-free. What actually happens to your money on a vest date, the three expensive mistakes almost everyone makes, and how to write the rule that handles every future vest for you — so you never have to decide while the stock is moving.
Assuming the default withholding on your vest covered the tax. It often doesn't.
Holding "because it's going up" — a decision you'd never make with cash.
Letting the lifestyle ratchet absorb the vest before it was ever invested.
Next session: [add date] · Replay sent to everyone who registers.
The program
Eight weeks to turn a great comp package into a diversified net worth — with a written rule for every vest, every bonus, and every "should I hold or sell" moment that's coming at you for the rest of your career.
You want the system and you'll run it yourself.
You want someone looking at your actual grant docs.
Multiple grants, a liquidity event, or K-1s in the mix.
Every tier opens the same way: the free Playbook and the free class. Nobody buys anything before they've seen their own numbers once.
What's inside
Cash, equity, debt, spending — one screen. Including the concentration number.
RSU, ISO, NSO, ESPP, SAFE, K-1. What you actually hold, when it vests, and how each one is taxed.
Three months of transactions, sorted. Which raises got absorbed, and what that cost in compounding.
Supplemental withholding on vests, ESPP cost-basis double-counting, AMT, estimated payments. Where the money quietly goes.
Pick the number you'll never exceed in one ticker, in writing, before the next vest.
401(k) and the mega-backdoor, backdoor Roth, HSA, brokerage, I-bonds, donor-advised funds. What each is for and the order to fill them.
Sell-on-vest instructions, auto-transfers on payday, rebalancing rules. Built once; runs without you.
A written policy for speculative bets — size, source of funds, and a hard ceiling. Decided calmly now, so a bad quarter can't decide it for you.
This is for you if
This is not for you if
Who's teaching this
[Your bio goes here: credential, years in practice, and the equity-comp work you've done — tender offers, exercises, liquidity events, the K-1 pile every April.]
I see the same thing every season: enormously capable people with great comp and a balance sheet that doesn't reflect it, because every decision got deferred until after the next vest. Then one bad quarter arrives and the catching-up instinct takes over. I'd rather get to you before that.
Results
[Testimonial slot 1 — ideally someone who cut their concentration from X% to Y%.]
— Name, role[Testimonial slot 2 — ideally someone who avoided a vest-date tax surprise.]
— Name, role[Testimonial slot 3 — ideally someone who finally knew their net worth.]
— Name, roleQuestions
No. This is education and a system for seeing your own numbers. I'm a tax professional, not a licensed investment adviser — I'll teach you how the vehicles and the tax treatment work, and I won't tell you what to buy, hold, or sell. Decisions stay yours, and for anything complex you should talk to a fiduciary adviser.
No, and be wary of anyone who will. What I'll do is show you your concentration honestly, walk through how the tax lands either way, and help you write a rule in advance — which is how people actually make this decision well.
Arguably more. Illiquid equity is the easiest kind to over-count in your head and the easiest to get taxed badly on. Weeks 2 and 4 are built for exactly this.
No. You download a CSV and paste three columns. Nothing connects to anything, and nobody sees your data but you.
About 25 minutes to set up the Playbook, then 60–90 minutes a week during the program. Maintaining it afterward runs about 15 minutes a month.
[Your refund policy — e.g. full refund within 14 days, no questions.]
Twenty-five minutes with the free Playbook and you'll know your net worth, your real monthly cash flow, and exactly how much of your future is riding on one ticker. Whatever you decide next, decide it with the picture in front of you.
Get the Prosperity Playbook — free