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by bknight1983 1222 days ago
The risk is exponentially higher as the 409a goes up. That said, given your current life (single, 20s, with some cash on hand and truly vested in a company) and the total cost to exercise (maybe $1-2k) it might make sense. But a lot of things have to line up for this to be beneficial, otherwise you’re better put the money on a roulette table.