<prompt> Human: Right out of college I joined a successful startup and was given 7,500 stock options as part of my package. Now it is almost 5 years later and nearing the time when all my options will have vested. Since starting the stock price has almost quadrupled. Im eager to exercise them; however, I currently dont have the cash to buy all the options and pay the necessary taxes. The total is a little over 100,000. Do I take out a loan in order to buy them? I have to hold on to the shares for a year before I can sell them so I am a little hesitant in case the stock price dips. I can do a cashless exercise and forgo some of the options in order to pay the execution price plus taxes. Is that a better option? Any advice?  <response>: If you dont have the cash on hand, I would do a cashless exercise. 