"A safety net is important to me because I have a wife and daughter to feed. If something were to happen to my ability to make money, they'd end up on the stree

"A safety net is important to me because I have a wife and daughter to feed. If something were to happen to my ability to make money, they'd end up on the street." Take the cash. Your situation demands it. Stock Options can always come later when it is time for next bonus.