u/labbitlove

Hello, I'm back again with another RSU question:

I kept a bunch of vested RSUs from my current company. I want to liquidate these shares ASAP to diversify.

This is made hairier because I can only buy/sell in the trading window, which is always within 30 days (each way) of my vesting date, which counts as a "buy" action to the IRS - which triggers a wash sale.

They are mix of long term and short term cap gains, and the vesting price for all of these RSUs was higher than both my "strike price" when I joined the company *and* it's current public value. So if I sell, it will be at a loss. I have already sold the shares that have gains already to avoid a wash sale BUT now I'm not sure if it matters; I have ~$25k worth of capital losses that I have been slowly carrying over from a small company IPO 5+ years ago (staying within the IRS $3k annual limit).

My real questions:

Does avoiding a wash sale really matter if I already have $25k+ in capital losses to carry over? And is it actually advantageous to me to sell some RSUs at a loss to offset the ones that I have already sold at a gain? Do I have all my info correct here?

Thanks!

Reposting this because of bad title typo :D

Hello hello-

I work in tech and am looking into a mega backdoor Roth. My company's 401k plan allows after-tax contributions with conversion.

I have RSUs that vest every 3 months, with one coming up. Historically, I've been using the RSUs as savings/investments - I sell them off upon vest (and pay taxes up front by selling shares) and transfer straight into my brokerage.

However, with the MBDR option, I was thinking I could live off of stock vests and use my paycheck to max out the MBDR. I max out my 401k each year and have 7.2k in matching from my company, so that would mean I have $38,300 left. My post-tax stock vests are fairly equal to that, so it balances out nicely.

Are there any downsides to my approach other than the usual "brokerage is liquid and rIRA is not"?

Hello hello

I work in tech and am looking into a mega backdoor Roth. My company's 401k plan allows After-tax contributions with conversion.

I get RSU vesting every 3 months. Currently, I've been using the RSUs as savings/investments - I sell them off upon vest (and pay taxes up front by selling shares) and transfer straight into my brokerage.

However, with the MBDR option, I was thinking I would live off of stock vests and use my paycheck to max out the MBDR. I max out my 401k each year and have 7.2k in matching from my company, so that would mean I have $38,300 left - which arguably would take most of the rest of the year to fill up.

Are there any downsides to my approach other than the usual "brokerage is liquid and rIRA is not"?

Taking BER > LAX in June coming back from a work trip. There's only one morning flight available for the BER > EWR leg, landing around 1pm, but I have the choice of a 1.5 hour layover or a 3.25 hour one.

I would usually choose a longer layover to be safe, but I'm leaning towards the 1.5 since this trip is going to be taking over 15 hours already and I would like to get home since I have another flight for another trip about 36 hours after I land.

• I have Global Entry
• I will be checking a bag
• I figured this will be fine because there are a many flights from EWR to LAX and I should be ok if the original flight is late and I need to hop onto another one

Thoughts?

Edit: Thanks for the comments y'all! Appreciate it