Yeah, the thing to remember IMO is that within the company, you have access to privileged information and [typically] better deals on equity if you choose to ta

Yeah, the thing to remember IMO is that within the company, you have access to privileged information and [typically] better deals on equity if you choose to take it. Given the choice between that or taking the cash and putting it into mutual funds or something, it seems like a much better gamble to try your luck. I think of it as a lottery ticket with great odds, and I don't invest more than I'm willing to lose :)