If you work at SpaceX, you’re sitting on one of the most valuable assets in the world.
And with an IPO likely on the horizon, the decisions you make now could shape your freedom — or your stress — for decades.
But most people start with the wrong question.
They ask:
“What should I do with my SpaceX stock?”
It’s not a bad question.
It’s just not the first one.
The Question You Need to Ask First
Before talking about taxes, timing, or diversification, there’s a more important question:
What do you want your life to look like?
Because if you don’t know the outcome you’re trying to create, every decision becomes a guess.
SpaceX stock is powerful.
But without a plan, it can quietly turn into golden handcuffs.
Early Retirement Isn’t About Quitting
Let’s clear this up.
Retiring early doesn’t mean:
- You stop working
- You abandon something you love
- You “get out of the game”
Early retirement is a mindset.
It means you’ve turned your assets into enough independence that work becomes optional. From there, every decision can line up with your life — not just your paycheck.
That’s the real opportunity SpaceX stock creates.
A Common Situation for SpaceX Employees
Let’s look at a simplified example.
Andrew works at SpaceX.
His wife, Wendy, stays home with their kids.
Most of their net worth is tied up in SpaceX equity.
Very little is in other investments.
On paper, they look wealthy.
In real life, they feel tight.
High cost of living.
One income.
A lot of pressure riding on one stock.
Andrew’s initial thought was simple:
“I’ll just keep holding. This could be worth so much more later.”
That belief is understandable — and common.
But it hides a risk most people don’t see.
The Real Risk Isn’t Selling Too Early
The biggest risk isn’t selling SpaceX stock too soon.
It’s staying trapped because everything is tied to one company, one outcome, one future.
If all of your wealth lives in one place, life often gets postponed until “someday.”
That’s not a strategy.
That’s a hope.
A Better Way to Think About SpaceX Stock
Instead of asking, “How much upside can I get?”
Ask this:
How much do I need to lock in the life I want?
Once you solve for that number, everything changes.
You don’t need to sell everything.
You don’t need to predict the future.
You don’t need to guess the perfect timing.
You just need to take enough chips off the table.
What “Enough” Actually Looks Like
For Andrew and Wendy, the goal wasn’t to maximize net worth.
It was:
- Less pressure
- More flexibility
- More freedom now
That meant selling and diversifying enough SpaceX stock to fund early retirement — even if they kept working.
From there:
- Some money was prioritized for liquidity
- Some could stay invested for upside
- Some could be used for tax strategies
- Some could simply be enjoyed
The key:
Even if the remaining SpaceX stock disappeared, their plan still worked.
That’s what peace of mind feels like.
Why This Isn’t About Predictions
This approach isn’t based on guessing where SpaceX stock will go.
No one knows:
- If it will double
- If it will stall
- If timelines change
And that’s okay.
A good plan doesn’t require certainty.
It creates resilience.
When you lock in what you need, the rest becomes optional — not essential.
Strategy First. Tactics Second.
Once the strategy is clear, then the tactics matter:
- How to manage taxes
- How to diversify efficiently
- How to think about gifting or charitable strategies
- How to protect downside risk over time
But tactics without strategy just add complexity.
The goal isn’t to engineer the perfect investment outcome.
It’s to use your resources to support the life you actually want to live.
The Big Reframe
SpaceX stock isn’t the prize.
Freedom is.
The stock is just the tool that can get you there — if you use it intentionally.
The sign of a great financial plan isn’t how impressive the numbers look.
It’s whether your money is working for you, not the other way around.
Thinking About This for Yourself?
If you’re a SpaceX employee — or someone with a large, concentrated equity position — there’s a lot at stake.
You don’t need to sell everything.
You don’t need to guess the future.
But you do need a plan.
If you want help figuring out:
- How much to diversify
- How to reduce risk
- How to turn equity into real freedom
You can schedule a call with the Root team.
No pressure.
Just clarity.
👉 Schedule a call and make sure your stock supports your life — not just your net worth.
The information presented is for educational and informational purposes only and should not be construed as personalized investment or financial advice. The content discusses general retirement planning strategies and is not intended to recommend any specific course of action for any individual.
Social Security claiming strategies involve a number of variables, including life expectancy, portfolio returns, tax considerations, and personal circumstances. Decisions regarding Social Security benefits should be made in consultation with your financial advisor, taking into account your full financial picture.
Examples provided are hypothetical and for illustrative purposes only. They do not reflect any specific client situation and should not be relied upon for investment decision-making. Past performance of investments is not indicative of future results. All investing involves risk, including the potential loss of principal.
Root Financial Partners, LLC provides tax planning as part of its financial planning services. However, we do not provide tax preparation services, represent clients before the IRS, or offer legal advice.
Clients should consult their CPA or attorney before implementing any tax or legal strategies discussed. Nothing in this video should be interpreted as a recommendation to take a specific tax position or legal action.
This content may include discussions around advanced financial planning strategies such as Roth conversions, backdoor Roth IRAs, tax loss harvesting, charitable giving, estate planning tactics, or Social Security claiming strategies. These concepts are general in nature and are not personalized advice. Actions related to these strategies may trigger tax consequences or legal implications. Always consult with your CPA or attorney to assess suitability based on your personal financial circumstances.
Suitability for these strategies depends on your individual tax situation, income, age, investment profile, estate plan, and other factors. Actions related to these strategies may trigger tax consequences or legal implications. Always consult with your CPA or attorney to assess suitability based on your personal financial circumstances.