On the ESPP - are you holding a significant amount of your employer's stock? If so, you are taking on some significant riskI strongly repeat this. I bought and held my company's stock in an ESPP and lost a bunch of money by doing so. I would have been far better buying it and immediately cashing it out for the 15% gain right when it was purchased every six months. Holding it - plus the stock in my 401K, PLUS stock options, put me at huge risk and I lost a ton of money this way.Diversify, diversify, diversify...
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