<prompt> Human: So I, like many others in the tech industry, was granted an RSU benefit, lets say 5,000 per year, to total 20,000 over four years. Fast forward a year to my first vest date, and the total vesting stock for this vesting period is only worth 2,500. I am only able to sell stock a few times per year. Is it advisable to just deal with the loss and sell? Or should I wait it out in hopes that it recovers?  <response>: If your company gave you a cash bonus right now, would you use it to buy stock in your company? Youre probably best off selling and using the money to meet your other goals. If youre at the point where that means investing in retirement accounts, then youll be using the money to buy into a down market anyway, so your potential return will likely be correlated to your companys stock, but youll have much less risk. 