99% of people I talk to don’t understand this about their company stock

The difference between a great company and a great investment largely (not entirely) comes down to valuation.

I work with people at some of the top tech firms. They almost always want to keep holding their company stock:

“We’re positioned for the AI buildout.”“I’m super bullish on our fundamentals the next few years.”

That’s great. You should be bullish on the business.

But with the multiples many of these companies trade at, the market is already assuming:

• Very high, sustained growth
• Margin expansion
• No major competitive or regulatory setbacks
• Ongoing investor enthusiasm (multiple support)

In other words, the bar is sky‑high before you even start.

Just because the fundamentals of a company are strong does not mean the stock is a good investment from today’s price.

PLTR Example:

if I have to pay $180 for the expectation of $1 of next year’s earnings, the market is building in an enormous amount of future success before I see a dollar back. There are zero examples in market history where investors enjoyed great long‑term returns starting from that kind of valuation.

But there’s also never been a company like PLTR - so who knows!

The point is not “your company is bad.”

The point is:

• Capitalize on the success you’ve already had
• De‑risk your life so your net worth isn’t riding on one ticker
• Preserve and compound that wealth for decades, instead of gambling it all on one narrative

If 40–70%+ of your net worth is in a single tech stock and your “plan” is basically “I’m bullish on my company,” it’s time to get a real plan on paper.