> being offered stock in your own company Off-topic from the thrust of this conversation, but I always considered the above extremally risky. If your company g

> being offered stock in your own company Off-topic from the thrust of this conversation, but I always considered the above extremally risky. If your company goes tits-up, you loose your job and your savings. This happened to a lot of people during the dot-com crash of 2000. (Unless you have a high risk tolerance, you will want to diversify much more.)