دانلود کتاب راهنمای مالی شخصی برای متخصصان فناوری

As I write this Introduction, the stock market has suffered a major decline. True, this has come after a long bull run. But it certainly does not make investors feel any better. Bear markets are awful. They are also a wake-up call. They highlight the importance of diversification. They also show the importance of taking a holistic approach to your personal finances. This means taking into account insurance, tax planning, and estate planning. And this is what my book is about. It’s not just about the various investments you can put your money in. The goal is to provide a comprehensive approach. The issues for tech professionals can be particularly complex. The bear market, for example, has hit tech stocks the hardest. There are also the issues of dealing with equity compensation, like stock options. There is the risk of having too much of your wealth in shares of a few companies. When working with startups, the planning for benefits, such as for health insurance, can be challenging. Now this is not to make you depressed! The tech world is exciting. There are many secular changes that will propel growth. But it is still important to build a good financial foundation. This will help you get through the occasional downturns. OK then, so what about my background? Most of my career has been in the tech industry, since the early 1990s. I founded several companies and raised venture capital. Along the way, I got firsthand experience with unique personal finance issues and situations.