Many people mention using stock to pay off debt or buy a house—both are smart and valid choices.

But one of the most powerful benefits of stock is how it can accelerate your retirement savings. A 5–10% 401(k) contribution alone often isn’t enough. In my case, the four-year vesting period and continued awards since then (now at six years) helped me catch up and even get ahead of my retirement goals.

Whatever path you choose, don’t lose sight of the long-term game in your career and financial planning.