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[quote=Anonymous]I'm like the OP.  We have the options, but we have no cash and we are completely strapped despite making a good living.  This was largely due to poor planning on our part and some life emergencies that ate away at our emergency fund.

You have to ask yourself:  are you really out of cash or are you having to budget?  In other words, if an emergency came up (like your roof caved in) could you sell the stock immediately to cover your expenses?  Or would there be an issue.  You also have to ask yourself if you would spend the money once you sell the stock.  Is it worth it to sell the stock to buy ice cream?  No.  Is it worth to sell the stock b/c you can't afford to clothe your children and put food on the table, yes.  For me, I like knowing that there is stock that I can sell if I have to do so, but I don't sell it until I need to do it.  That is terrible financial planning, I know, but I'd rather have some money possibility than have it in an account and blow it.  For us, we will be selling stock at the end of the summer, and it is earmarked for a very specific purpose.  Everything else will go in a bank account that we can't touch.  And that is becaue I want to make sure that we don't spend it on things that we don't need.

So you have to ask yourself if you really need the money or if you want the money.  I wish that I had been more frugal in my earlier year.[/quote]

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