Not to mention the savings account on the side you have to start building to buy your options when you resign! I never factored that in until I realized I had to come up with $15k on the spot to quit if I wanted to take my options with me. Now I know and am prepared, but for 24 year old me fresh out of college leaving my first startup job, that was a tough realization.
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If the options are worth something, shouldn’t getting 15k in credit feom a bank be pretty easy?
That's often a big "if".