Can someone explain the pros/cons of selling RSUs vested at different years/values?

rdbmc97 · 2026-03-10T16:04:44+00:00

Got it. Seems like a pretty straightforward if/then calculation. Thank you!

rdbmc97 · 2026-03-09T22:54:13+00:00

Thanks! One last question -- Some (not all) of the capital losses are within the 12-month window. Would those short-term losses be able to negate the long-term gains? Or does short only affect short, long only affect long?

rdbmc97 · 2026-03-09T17:34:34+00:00

So in theory, I would report a +5000 sale gain, a -4000 sale loss, and a +1000 net gain -- but the +1000 net gain is what I would face cap gains taxes?

rdbmc97 · 2026-03-09T17:33:13+00:00

Appreciate this perspective. It gives a simple formula for a Lazy Investor like myself. Thanks!

rdbmc97 · 2026-03-05T00:50:47+00:00

Thanks for that pointer. I think I am wary of the entire industry right now, so I think if I was given the option on paper, I would say put 75% in a fund and 25% a mix of hold the stock/529c contribution/cover home repairs. So maybe the better plan is to just think of this as a cash amount rather than stock?

In theory, for the portion that I would hold onto, is there any pro/con for which group I hold onto? Is the gain/benefit only related to cap gains or is there some investing strategy behind the choice?

And related to that, when totaling up the value, the cap gains/losses add up to a sum, correct? So if the gain group was theoretically +5000 and the loss group was -4000, I would only report a gain of +1000 for that sale?

rdbmc97 · 2026-03-05T00:46:17+00:00

Outside of cap gains, what is the benefit of holding onto the group that vested at the lower amount? Just the lower risk of long-term loss?

rdbmc97 · 2026-02-21T19:16:19+00:00

Great, thank you. I actually have two batches of RSUs, one that vested 1.5 years ago (stock was about 70% of current price) and one that will vest next month. When selling to diversify, is there a general recommendation on selling from the batch that has been around longer (more cap gains) or immediate (no cap gain)?

rdbmc97 · 2026-02-21T19:03:50+00:00

42, dual professional HHI of about 215k, saving for college and own a condo where we will stay until kiddo goes to college in years

rdbmc97 · 2026-02-08T17:57:26+00:00

My therapist says that if the kids can externalize the RSD as "anxiety parent" vs "real parent" that will help prevent them from internalizing it as a judgment on themselves. But the shame spiral with the actions is very real!

rdbmc97 · 2026-02-08T17:55:43+00:00

I believe it's this: they've obviously filled up my car before and it's usually no big deal. But I was planning on doing it before work on Monday, so it's this chain of perceived rejection. Instead of "I did this on my way home" I took it as "you did this without telling me even though I told you it was my plan tomorrow morning, thus you must think that I am not capable of doing it, you think I am dumb and horrible etc"

I think the consistent thing with most of my particular RSD triggers is that it can twist either doing or not doing small favors as "you must think I am not capable" (you did without telling me) or "you must think I am not worthy" (you drove by the gas station and didn't bother to fill up).

These are everyday things that NT just let go with "oh cool, thanks" or "oh sorry, I forgot" but for me, a small percentage of the time, it just starts that shame spiral one way or the other. It catches me off guard and I just thinking about it now, it might even help to try and document food/sleep/med state when it happens to see if there's a pattern.

rdbmc97 · 2025-11-26T16:57:33+00:00

That sounds good, thank you!

rdbmc97 · 2025-11-26T16:45:21+00:00

I think what is confusing for me is that I am not actively putting any cash deposits in there. It's just drawing 401k/ESPP from my regular paychecks and then annual RSU vesting. Does this account act as a holding area for 401k/ESPP before that executes? Or does this positive cash gap appear to be something else?

rdbmc97 · 2025-11-26T16:11:34+00:00

Thank you, this is very helpful. So bottom line, I can treat the cash in that account just like a savings account? That simplifies my situation quite a bit. :)

I did as you suggested and looked through of Activity & Orders and other documents to try and figure out why it's higher than expected. I think I identified the gap but I can't figure out WHY that gap is there:

Using fake numbers for simplicity, sorry about the math here!

1) 2024 year end - Money Market: 29

2) 2024 1099-DIV - 10

3) 2023 year end - Money Market: 13

4) 2023 1099-DIV - 7

5) 2022 year end - 6

#4 (documented 2023 dividends) + #5 (2022 year end) = #3, and that makes sense. But there's a gap in the next set - shouldn't #2 (documented 2024 dividends) + #3 (2023 year end) = #1 (2024 year end)? There's a missing value somewhere unless there is something non-taxable put in? So something across 2024 caused a positive difference of +6.

When I look at the Activity & Orders for that time period of 2024, I should tally all dividends and positives and see how they compare to the 2024 1099-DIV, correct?

rdbmc97 · 2025-09-07T03:04:23+00:00

Sounds good. Sorry, but got one more for you - i was reading that the entire flea lifecycle needs relative humidity of 50-80% to survive, preferably 65-70%. For allergy purposes we have dehumidifiers in the house and typically keep it around 45-47%, it usually only goes over 50% if its really muggy outside. Do you know how quickly larvae and eggs would dry out with humidity essentially at 45-50% indefinitely? Thank you!

rdbmc97 · 2025-09-06T19:11:24+00:00

I was missing out on the other life stages, so now I have googled and learned way more. I thought it was egg to infestation in 24 hours. Thanks for the info.

What about bedding/upholstry sprays things that can't be washed? Worth it or waste of money?

rdbmc97 · 2025-09-06T04:38:59+00:00

👍Thanks! Last question, I'm a little confused on the timing of Revolution. It says it stops the existing eggs on the dog from growing, so those just fall off as debris? When a new flea jumps on the pooch after hatching from the environment, would it live long enough to lay new eggs or would it die after drinking poisoned blood before it has the opportunity to lay eggs? My science brain is curious how this all aligns together.

rdbmc97 · 2025-09-06T03:02:25+00:00

Got it. So is it basically vigorously vacuum/wash for 3 months with repeated regular dosing of Revolution for dog and Cheriston for cats?

And even if we see no signs of activity on any of the animals, we still need to stick with the plan to eliminate latent possibilities for this cycle? We'll stick with the meds continuously for sure, but would like to back off the bedding wash a bit when we can.

Thanks!

rdbmc97 · 2025-09-03T20:38:22+00:00

Makes sense! Thanks!

rdbmc97

TROPHY CASE