I agree with you on Healthcare and retirement. And there are non-financial benefits to owning shares where you work. But any investment manager will recommend

I agree with you on Healthcare and retirement. And there are non-financial benefits to owning shares where you work. But any investment manager will recommend that your savings are diversified. That helps to insulate you from individual events thus making your savings more resistant to failure. So you might invest in public shares, or property, or personal energy (residential solar) and so on. You might mix different kinds of shares. Etc. By contrast owning shares where you work offers few financial upsides. It may or may not out perform the market. It may or may not be liquid. And so on. It does however come with substantial financial risk. With one point of failure, one event, you can lose your income and savings. Only you can decide if the risk is worth the upside. For most people, it's not.