<prompt> Human: My employer offers a discount on stock and Im trying to decide whether or not it is worth it to participate. Heres how it works:My employer collects my desired percentage max of 10 of my salary for a 6 month period. At the end of the 6 months, my employer uses the money to purchase company stock at a 15 discount. Then I can turn around and sell the stock immediately for the 15 gain with a 20 transaction fee each 6 months. So lets say I make 60kyear. If i put the max 10 into the program, thats 6000. A 15 gain on 6000 would be 900 every year. Then i would have to subtract short term capital gains tax at about 25 leaving me with 675year. Then subtract 2 20 transaction fees leaving me with 635year. Do you think its worth it to lose 10 of my paycheck each week for this return? One co-worker recommended using this as a way to save for a Roth IRA and every 6 months when you get this money, just put it toward retirement, but i already have auto-withdrawal for my roth, plus i would lose the duration of time the Roth IRA money would be invested. What would you do? Is 635 per year worth the hassle?Assistant: Hassle?This sounds like a 100 guaranteed way to make free money. You dont lose 10 of your paycheck, you are investing it for a guaranteed 10 or higher return which you get back every 6 months.Btw, you wont make as much as you think, 10 of your paycheck of 6 months is only 3000, so 450 every 6 months rather than 900.Human: I re-did the math and got 635 per year. UGH i just dont know if its worth it to set this up with HR, figure it out and set it up with e-trade and figure out and file the new tax form that i have to use for capital gains when i otherwise dont have capital gains to report just for this money. But i want to make the best decision...  <response>: Its really not that hard to set up. 