Money
Equity & Taxes
RSU withholding, estimated taxes, 83(b) elections, and the NSO / ISO / RSU comparison — the tax mechanics of getting paid in shares.
For tech workers with equity comp — and the careers that earn it
The tech worker's money and career stack: equity, taxes, retirement, certifications.
VestedStack is the money and career stack for working tech professionals — one address for the guides, tools, and certifications that matter. What you earn, what you keep, and how you grow it: RSU tax withholding, mega backdoor Roths, cash between vests, and which certifications are actually worth your time.
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Money
Cash & Retirement
Mega backdoor Roths, where to park cash between vests, and seeing your whole financial picture in one place.
Career
Certifications
AI, data engineering, cloud, and more — which credentials are worth the exam fee and the study hours, and which ones aren't.
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Start here by situation
Just got RSUs, leaving your job, or with an IPO coming? Pick your situation and get the guides in the order that matters.
Latest articles
Layoffs
What to Do in the First 90 Days After a Tech Layoff, Equity Edition
A layoff starts several clocks at once: a 90-day window to exercise stock options, a 60-day window for health insurance, and a severance decision you can't redo. Here's the order to work them in.
Data Engineering
Best Data Engineering Certifications: AWS vs Azure vs GCP vs Snowflake
The five data engineering certifications worth your time in 2026: AWS DEA-C01 ($150), GCP Professional Data Engineer ($200), Microsoft DP-700 ($165), SnowPro Core ($175), and Databricks ($200) — with exam costs, prep time, validity, and which one employers actually ask for.
Taxes
Estimated Taxes for RSU Earners: The Calendar That Keeps You Penalty-Free
RSU withholding covers 22% federal tax, but your bracket may be 32% or higher. Four estimated-tax dates a year close the gap. Here's the calendar, the safe harbor, and the math.
AI & ML
Best AI Certifications for Working Engineers in 2026
The AI certifications actually worth your time in 2026: IBM AI Engineering, DeepLearning.AI, AWS AI Practitioner ($100), and Google Generative AI Leader ($99) — with exam costs, prep time, validity, and the 2026 retirements to avoid.
Taxes
The 83(b) Election: When It Saves You Six Figures
An 83(b) election lets you pay tax on restricted stock at grant — when it's cheap — instead of at vesting, when it may be worth six figures. But the 30-day deadline is absolute, and it doesn't work for RSUs.
Taxes
NSO vs ISO vs RSU: The One-Page Tax Cheat Sheet
NSOs are taxed as ordinary income at exercise, ISOs can dodge regular tax but trigger AMT, and RSUs are taxed at vest. One comparison table, the 2026 rates, and the traps to avoid.
Cash management
Where to Park Cash Between RSU Vests: 5 High-Yield Accounts Compared
Vest money sitting in checking earns nothing. Five places to park cash between RSU vests compared: HYSA, money market funds, T-bills, CDs, and brokerage sweeps.
Taxes
RSU Tax Withholding: Why Your Employer Withholds Too Little (and the Quarterly Fix)
Your employer withholds 22% federal tax when RSUs vest. If you're in a higher bracket, that gap becomes an April surprise. Here's the math and the quarterly estimated-tax fix.
Retirement
The Mega Backdoor Roth, Explained for Tech Workers
The mega backdoor Roth lets high earners get tens of thousands into Roth accounts each year. How after-tax 401(k) contributions and Roth conversions work, with 2026 IRS limits.
Systems
I Track My Net Worth on This Free Dashboard (Setup Walkthrough)
A step-by-step walkthrough of setting up a free net-worth dashboard that pulls your bank, brokerage, and 401(k) accounts into one view.
Why this site exists
Tech compensation is weird: most of your pay arrives as shares on a vesting schedule, gets taxed through a withholding system designed for bonuses, and lands in three different brokerages — while the credentials that raise your next offer sit behind a wall of vendor marketing. The default outcome is paying more tax than you need to, and spending months studying for a badge nobody asks for. These guides document the systems that fix that. More about VestedStack →