<prompt> Human: I have employee stock options that will be vesting monthly at a public company. Im currently holding about 200 ISOs and there are 800 more to come over the next 4 years, about 300 of them being RSUs too, but those vest annually. the companys stock is at an all-time high, not super-high, but has doubled in price since I was granted my options.i dont have much of an emergency fund as of now, and im wondering if i should take the opportunity to cash out some of my 200 options to build up my emergency fund and potentially other debts like my car, which has low interest 2 and reasonable monthly payments based on my current income? or maybe even cash out to invest in ETFs or something like that?Im worried about tax implications primarily, and seeing as I dont have much of an emergency fund, buying-and-holding the options for a year to avoid short-term capital gains tax isnt much of an option. and im not sure if i should just wait to buy them when i actually have the money to buy-and-hold the options outright.I dont think theres no rush to build up an emergency fund, but i think if I have what seems to be free money available to me, i should cash out the options whenever I can...but I dont want to be too irresponsible with them since they are finite.any advice on this is welcome! thanks  <response>: your emergency fund should be in a savings account, not at risk in the market. 