Yeah, i think it's important to do the math. And do that math together. Say, 1000 shares @$20. how many companies make it to IPO? let's be generous and say 10%.

Yeah, i think it's important to do the math. And do that math together. Say, 1000 shares @$20. how many companies make it to IPO? let's be generous and say 10%. What are the odds you'll still be there in 4 years - even with the best of intentions 95%? That right there is down from $20,000 to $1900. Also, that's in future dollars, so inflation will eat away another 3-4%. $50 dollars a month more at some other company wins by over $500. They are not worthless, but it's important to value them accurately.