Nate Tanner
speaker
28,581 appearances
102 recordings
1 series
first heard Apr 2025
last heard 1 Jul
Nate Tanner’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 25 in all, peaking in Oct 2025 with 7.
Appearances
The discount protects you on the way down,
and reward you on the way up.
One important note, ESPPs carry real risk.
Your contributions are tied to the company's stock, and no company is immune from bad quarters.
The general rule, take the gain, diversify, and don't let company stock become an outsized portion of your savings.
Don't pull a homer and let one concentrated position become your whole financial plan.
I want to share something personal because I think it illustrates what's possible when you use your ESPP with intention.
When I first had my aha moment about building an alligator fund, a dedicated savings account for predictable non-monthly expenses like car registrations, back-to-school costs, or holiday spending, I ran into a wall.
For new listeners, an alligator expense is any bill that isn't monthly but shows up like clockwork and bites you if you haven't planned for it.
The alligator fund is the savings bucket you feed each paycheck so the gator never catches you off guard.
My problem was simple.
My alligator fund balance was zero.
And when I mapped out all of my alligators, the math was a little bit brutal.
Starting from zero meant those first few bills would wipe out the account balance before it ever had a chance to build.
That's where I looked at my ESPP differently, as a launchpad.
I enrolled, contributed each paycheck for six months, and when the offering period ended, the stock had gone up.
I cashed out, capturing the 15% discount plus the additional gains.
I kept a portion of the shares and walked away with enough to fully fund my alligator fund from day one.
Suddenly, I could reset all my alligator contributions to the lowest possible per paycheck amount and let the fund grow naturally from there.
According to research from the Rutgers Institute for the Study of Employee Ownership, the average ESPP participation rate is around 24%, meaning most eligible employees are leaving real money on the table.
Showing 1121–1140 of 28,581 · page 57 of 1430
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