You stayed calm. They still didn’t trust you.

You said nothing was wrong.\
But they felt something was off.

Here we explore what happens when teams can’t read you—and start reading into you.\
Not because you did anything wrong.\
But because silence always fills itself.

**Want to go deeper?**

- Explore more tools and courses at [**Taha’s Method**](https://www.tahasmethod.com/) — from interview prep to leadership development.

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- Get 30% off [**Top Tech Leader**](https://bit.ly/tarotopleader) with code **ILOVETARO** (exclusive for Taro members).

What sounds like help can feel like control.

At some point, support starts to sound like hovering.\
And it’s hard to see when you’ve crossed that line.

This section takes a closer look at that moment—when helping quietly turns into handling.\
It’s more common than you think. Especially when you care.

**Want to go deeper?**

- Explore more tools and courses at [**Taha’s Method**](https://www.tahasmethod.com/) — from interview prep to leadership development.

- Follow me on [**LinkedIn**](https://www.linkedin.com/in/tahahussain/) and subscribe to my weekly newsletter, [**The Conscious Leader**](https://tahahussain.substack.com/), for more lessons like these.

- Get 30% off [**Top Tech Leader**](https://bit.ly/tarotopleader) with code **ILOVETARO** (exclusive for Taro members).

You can’t force someone into ownership.

You don’t know how much someone is carrying.\
But you feel it when they stop moving.

This isn’t about accountability frameworks or “holding people to outcomes.”\
It’s about what shuts people down—and what might help them open back up.

**Want to go deeper?**

- Explore more tools and courses at [**Taha’s Method**](https://www.tahasmethod.com/) — from interview prep to leadership development.

- Follow me on [**LinkedIn**](https://www.linkedin.com/in/tahahussain/) and subscribe to my weekly newsletter, [**The Conscious Leader**](https://tahahussain.substack.com/), for more lessons like these.

- Get 30% off [**Top Tech Leader**](https://bit.ly/tarotopleader) with code **ILOVETARO** (exclusive for Taro members).

It’s not what you can see. It’s what they feel and don’t say.

There’s a kind of tension that never shows up in Jira.\
But you can feel it. In meetings. In messages. In that slight shift in tone.

This section helps you see what people won’t say directly—but always signal.\
Because the real blocker isn’t the one they’ll name.

**Want to go deeper?**

- Explore more tools and courses at [**Taha’s Method**](https://www.tahasmethod.com/) — from interview prep to leadership development.

- Follow me on [**LinkedIn**](https://www.linkedin.com/in/tahahussain/) and subscribe to my weekly newsletter, [**The Conscious Leader**](https://tahahussain.substack.com/), for more lessons like these. 

- **Taro members get 30% off** my flagship course [**Top Tech Leader**](https://bit.ly/tarotopleader)*. Discount available later in the course.*

You tried to be clear. They heard threat.

The words were fine.\
The logic was solid.\
The delivery? Unclear. At least to them.

This is the story of feedback that missed—badly—and why it had nothing to do with the message.\
You’ll walk into a moment that cost more than expected… and learn why it’s so common.

**Want to go deeper?**

- Explore more tools and courses at [**Taha’s Method**](https://www.tahasmethod.com/) — from interview prep to leadership development.

- Follow me on [**LinkedIn**](https://www.linkedin.com/in/tahahussain/) and subscribe to my weekly newsletter, [**The Conscious Leader**](https://tahahussain.substack.com/), for more lessons like these. 

- **Taro members get 30% off** my flagship course [**Top Tech Leader**](https://bit.ly/tarotopleader)*. Discount available later in the course.*

You did everything right. That wasn’t the problem.

Some people move up because they ask for more.\
Others move up because they already act like they own more.\
Then there’s the third kind—the ones still waiting for someone to notice.

If that feels familiar, this section will explain why hard work alone isn’t the lever you think it is.

**Want to go deeper?**

- Explore more tools and courses at [**Taha’s Method**](https://www.tahasmethod.com/) — from interview prep to leadership development.

- Follow me on [**LinkedIn**](https://www.linkedin.com/in/tahahussain/) and subscribe to my weekly newsletter, [**The Conscious Leader**](https://tahahussain.substack.com/), for more lessons like these. 

- **Taro members get 30% off** my flagship course [**Top Tech Leader**](https://bit.ly/tarotopleader)*. Discount available later in the course.*

Maximize Your Equity And Benefits In Tech [Part 23] - Conclusion

Congratulations on making it to the end of this course! Here are core points from the lesson:

- Know the details of your equity, 401k, and ESPP plans, and set calendar reminders for things like stock option expirations, enrollment windows, and rollover opportunities
- Automate what you can only after understanding your holdings—review RSU tax withholdings, grant docs, and whether you’re using pre-tax vs. Roth intentionally
- Explore advanced options like mega backdoor Roths if your 401k allows them, and ensure you're not missing out on your employer match or other benefits
- Review your health plan and associated perks like HSAs, FSAs, and wellness stipends, and use reminders to avoid letting free money go to waste

If you want to get additional support from Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Receive other bonuses, leave feedback, and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 22] - Healthcare And Miscellaneous Benefits

From picking the right medical plan to using hidden financial perks, there’s a lot you can do to stretch your benefits beyond equity. Here are the core points from the lesson:

- PPO, EPO, and HMO plans vary in flexibility and cost, with PPOs offering the most freedom and HMOs the lowest cost but most restrictions
- Understanding plan terms like premiums, deductibles, copays, and coinsurance helps you estimate total medical costs more accurately
- HSAs offer exceptional tax advantages and long-term growth potential, especially if you invest the funds and save receipts for future reimbursement
- FSAs are employer-based, use-it-or-lose-it accounts that are best used only when you know you’ll spend the funds during the year
- Tech workers may also have access to other valuable benefits like legal services, fertility support, wellness stipends, and insurance—but employer-provided life and disability coverage may not be enough if you truly need it

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 21] - Bottom Line

There are a few essential things to keep in mind when managing retirement accounts. Here are the core points from the lesson:

- 401(k)s are effective for automating savings and deferring taxes, especially in high tax brackets, and it's important to capture the employer match and invest contributions
- Pre-tax vs. Roth decisions aren’t one-size-fits-all, but choosing wisely can reduce your lifetime tax bill with the help of smart withdrawal strategies
- Mega backdoor Roths allow large tax-free contributions if your plan supports them, while backdoor Roths offer smaller contributions with more complexity and caution required

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 20] - Backdoor And Mega Backdoor Roths

Backdoor and Mega Backdoor Roth strategies offer powerful ways to boost tax-advantaged retirement savings for high earners. Here are the core points from the lesson:

- A Backdoor Roth involves making a non-deductible IRA contribution and quickly converting it to a Roth IRA, but you must avoid having pre-tax IRA balances or you'll face tax via the pro-rata rule
- Mega Backdoor Roths allow after-tax 401(k) contributions (beyond the regular limit) to be converted into Roth accounts, enabling up to \~$40K in additional Roth savings annually
- The ideal Mega Backdoor setup includes in-plan Roth conversions, which are often automatable and avoid tax on earnings during the transition
- Be cautious of contribution timing to avoid missing employer match benefits—either spread contributions evenly or ensure your plan supports a “true-up” feature

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 19] - Pre-Tax vs. Roth

Choosing between pre-tax and Roth 401(k) contributions can significantly impact your long-term tax outcomes. Here are the core points from the lesson:

- The net tax advantage between pre-tax and Roth depends on your current vs. future tax rates; Roth may be ideal if you're in a lower bracket now, but pre-tax offers flexibility for future low-tax Roth conversions
- Roth IRAs offer penalty-free access to contributions anytime, while Roth 401(k)s have stricter withdrawal rules, often treating withdrawals as a mix of contributions and earnings
- Pre-tax retirement accounts are subject to Required Minimum Distributions (RMDs) starting at age 73, which can force taxable income in retirement
- Doing Roth conversions during low-income years (e.g., early retirement) can reduce future RMD burdens and smooth your tax liability over time

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 18] - Liquidity And Workarounds

Accessing retirement funds early can be tricky, but there are some strategic exceptions. Here’s the core points from the lesson:

- Withdrawing from 401(k)s or pre-tax IRAs before age 59.5 typically triggers a 10% penalty, though exceptions exist for things like first-time home purchases, disability, or high medical costs
- Roth IRA contributions (not earnings or conversions) can be withdrawn at any time, penalty- and tax-free, while Roth conversions require a five-year wait before penalty-free access
- Strategies like the Roth conversion ladder or 72(t) withdrawals (Substantially Equal Periodic Payments) can help bridge the gap if retiring before 59.5
- If you leave your job at 55 or older, you can take penalty-free withdrawals from that employer’s 401(k), and possibly from other plans rolled into it

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 17] - 401(k) And IRA Basics

Understanding retirement accounts is essential for long-term financial planning. Here’s the core points from the lesson:

- 401(k)s allow automated payroll contributions (up to $23,500 in 2025 for those under 50), often include employer matching, and offer pre-tax or Roth contribution options
- Contributions reduce taxable income but are still subject to payroll taxes like Social Security and Medicare
- IRAs (individual retirement arrangements) are similar to 401(k)s but are personally managed, have lower contribution limits, and don’t include employer matching
- IRA contributions may be tax-deductible or Roth-eligible depending on your income, unlike 401(k)s which have no income-based restrictions for pre-tax contributions

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 16] - Stock Options Strategy

Stock option strategies can significantly affect your financial outcomes depending on timing, tax implications, and company events. Here's the core points from the lesson:

- Early exercise with an 83(b) election can offer long-term tax benefits, especially for qualified small business stock, but requires accepting the risk of losing the money invested
- For non-qualified stock options (NSOs), exercising and holding is risky due to upfront ordinary income tax that isn't offset if the stock later declines
- Strategies like exercising and immediately selling (or cashless exercise) can reduce risk and lock in gains, especially around liquidity events like IPOs
- AMT planning for incentive stock options (ISOs) includes spreading exercises across tax years or alternating years of exercise and sale to manage tax impact and recover AMT credits
- Exercising ISOs early in the year offers flexibility to sell later in the year if the stock drops (avoiding AMT) or hold into the next year for favorable capital gains treatment

For more on why you might want to exercise your ISOs early in the year, [click here](https://adastrafp.com/exercising-isos-early-in-year/). For my AMT Calculator (for informational purposes only, not tax advice), [click here](https://adastrafp.com/amt-calculator/).

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 15] - Alternative Minimum Tax Basics

Alternative Minimum Tax (AMT) can create surprise tax liabilities, especially when exercising incentive stock options. Here's the core points from the lesson:

- AMT is a parallel tax system with fewer deductions, aimed at ensuring high earners pay baseline taxes, and it most often affects those exercising ISOs below market value
- Unlike the progressive regular tax system, AMT uses flat rates (26% or 28%) and doesn’t allow deductions like standard or state/local taxes, leading to potentially higher taxes
- The difference between ISO strike price and market value counts as AMT income, which may trigger a large tax bill even if the shares aren't sold
- Any excess AMT paid over regular tax becomes a credit that can offset future tax liabilities, but recovering it depends on your future income and tax situation

[Check out my AMT Calculator here](https://adastrafp.com/amt-calculator/) (for informational purposes only, not tax advice.)

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 14] - Stock Option Special Tax Considerations

When working at an early-stage startup, certain tax strategies can unlock major financial advantages—if you plan ahead. Here are the core points from the lesson:

- Qualified Small Business Stock (QSBS) can allow up to $10 million or 10x your basis in tax-free capital gains if you meet specific conditions, like holding actual shares for five years and your company having under $50M in assets at grant
- Early exercise and filing an 83(b) election can start the QSBS clock early and lock in low tax values, but they come with financial commitment and risk if you leave before fully vesting
- The 83(b) election must be filed within 30 days of exercising options and doesn't accelerate the two-year holding clock required for qualified ISOs
- Only $100K worth of ISOs can vest annually for favorable tax treatment—going above that limit risks converting some to NSOs with different tax implications

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 13] - Stock Option Basics

Stock options offer exciting upside but come with layers of tax complexity depending on type and timing. Here are the core points from the lesson:

- Private company stock options come in two forms: incentive stock options (ISOs) and non-qualified stock options (NSOs), each with different tax rules
- NSOs trigger ordinary income tax at exercise on the spread between strike price and fair market value, with additional capital gains tax upon sale
- ISOs can offer better tax treatment if held for 2 years from grant and 1 year from exercise, avoiding ordinary income tax but potentially triggering alternative minimum tax (AMT)
- Selling ISOs in the same year as exercising can help avoid AMT, but splitting the tax years may result in both AMT and ordinary income tax, creating a worst-case scenario

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 12] - RSUs (Private Company Equity)

Private company RSUs can be rewarding but come with unique structures, tax challenges, and limited liquidity options. Here are the core points from the lesson:

- Most private RSUs are double-trigger, requiring both time-based vesting and a liquidity event, unlike public RSUs which are typically single-trigger
- Single-trigger RSUs in private companies can create tax issues if you owe taxes on illiquid shares you can’t sell
- Liquidity events like tender offers, IPOs, direct listings, or acquisitions are when real decision-making occurs, though each comes with restrictions like lock-up periods or partial sell limits
- IPOs typically involve a six-month lock-up period, while direct listings may allow earlier sales and fewer constraints
- It’s essential to plan for taxes—sell-to-cover elections may not fully satisfy tax liability due to lower default withholding rates on equity compensation

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 11] - Insider Trading Considerations

Insider trading rules can create real constraints on when and how you can sell company stock, especially for those with access to sensitive information. Here are the core points from the lesson:

- Insider trading laws prohibit trading on material non-public information, and companies often enforce blackout periods to limit employee risk
- Executives and directors face stricter requirements, including preclearance, holding periods, and detailed SEC reporting (e.g., Forms 4, 144)
- A 10b5-1 plan allows for pre-scheduled trades made while not in possession of inside info, offering a compliant path to selling equity under constraints

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Maximize Your Equity And Benefits In Tech [Part 10] - Strategy (ESPP)

ESPPs can offer significant value, but deciding when to sell requires more nuance than it may seem at first glance. Here are the core points from the lesson:

- If there’s no holding period requirement, selling immediately after purchase can yield guaranteed gains, especially with discounts and lookback provisions
- Holding ESPP shares introduces market risk and complexity, and your decision should reflect whether you’d buy the stock outright if given the equivalent in cash
- A holding period aligned with qualified disposition rules may offer better tax treatment—but not always; in some cases, a disqualifying disposition results in lower overall tax
- When stock declines during the offering but rebounds before sale, the tax owed under a qualified disposition may be higher due to how ordinary income is calculated from the offering price rather than purchase price

Next steps with Andy:

- [Connect with Andy on LinkedIn](https://www.linkedin.com/in/andymoranio)
- [Leave feedback and/or sign up for Andy’s newsletter](https://subscribepage.io/taroequitycourse)
- [Schedule a consultation](http://adastrafp.com/contact-us/)

Tech Career Growth Videos

Our instructional videos provide software engineers with insights needed for career growth. Masterclasses go incredibly in-depth on a specific tech topic while case studies are real examples from established engineering leaders.