<prompt> Human: I work for a large manufacturing company. They offer an ESPP. The plan is similar to other companies ESPP plans: you can contribute anywhere from 1-10 whole numbers only of your paycheck to the ESPP. Since I started, I have contributed the full 10 of my paycheck. 1 So Im curious what your general thoughts are non-specific to my situation about ESPP as well as 2 your thoughts on my specific situation.And maybe if you want to share your situation, 3 Id like to hear your take based on your situation or a hypothetical.A little about my situation:Married spouse will return to work in 2-3 years.3 kids all under the age of 4.Currently able to save 5-10 out of my pay, after expenses.Contributing up to what my company matches in 401K.Our savings is equivalent to 1 years take home pay.Currently have equivalent to 1 years take home pay in stocks 45 ESPP 55.My thoughts on ESPP:Contribute the maximum 10. You automatically are up 15 when you receive your stock. Personally, I fear that if I stop contributing to my ESPP to use in our monthly budget, I will never be able to start it again.Apologies if this has been posted before.  <response>: In my opinion ESPPs work best as income supplements. Buy the shares at the discount, sell them immediately, pay the taxes at income tax rates, and dont keep too much of your assets invested in company stock. 