鏈接：https://www.letsrun.com/forum/flat_read.php?thread=2791243

這個網友的詢問。

一些網友的回復：
只有傻子才會拒絕送上門的錢。

這個網友的回復比較中肯：
I would do it ONLY if the following is already in place:

3 month emergency fund (could pay your expenses for 3 months). Liquid account (savings or Money Market Account).

You have NO debts other than a house payment.

15% going toward retirement accounts (401k and Roth IRA preferably).

If you have done the three steps above, then sure go ahead an dabble in some company stock if you want. It is a VERY bad idea to have money that you can’t afford to lose tied up in stock of the company you work for. If your company goes under then you lose your job AND serious money tied up in their stock – double edged sword.

If you have student loan debt, credit card debt, car loan debt, then you should not be investing yet at all, and ESPECIALLY not doing the company stock thing. Not sure if you have any of that debt, but it is common for a 24-year-old to still have student loan debt and likely some other debt. Best to get that all cleared up as soon as possible. Become debt free no later than age 30 (and earlier if possible) and then do 15% or more toward retirement accounts. ONLY do the more risky investing you are given the option to do once those other steps are in place.

建議僅當三個條件滿足時才加入計劃：

手頭至少有能用三個月的機動資金 liquid account：流動賬戶

除了房貸外沒有其他欠款 - 看來老外對房貸也挺看重啊，哈哈

tie up in stock 被套牢。
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