Restricted Stock Units (RSUs) can feel like a gift and a tax trap.
Are they cash? Are they stock? And what the heck does “vesting” even mean?
Before you know it, your RSUs could turn into a surprise tax bill you weren’t expecting.
In this video, we break down how RSUs work in plain English—so you finally understand what you’ve been granted, when you actually own it, and why the tax part is so tricky.
0:00 – Intro: Why RSUs are so confusing
1:02 – What is an RSU grant?
2:13 – Vesting: When do you really own your shares?
3:45 – Settlement vs. Vesting
5:20 – When RSUs are taxed
6:40 – Sell-to-cover and mandatory withholding
8:30 – Why 22% withholding isn’t enough
10:00 – Tax decisions you have to make
11:10 – Should you hold or sell your RSUs?
