I concur with your line of thought, as long as the base salary covers your basic needs (food, shelter, sufficient extra to put away for retirement, basic vacati

I concur with your line of thought, as long as the base salary covers your basic needs (food, shelter, sufficient extra to put away for retirement, basic vacations). Once those bases are covered, the employee is already looking at "more money than they need" and should take a measured approach to how they want to invest/risk that money. But ultimately, it should be done objectively based on the reality of the company and the options presented.