At a publicly traded company, RSUs are definitely not worth $0 and shouldn't be treated as such. I agree you shouldn't base their value at some arbitrary inflated number and should live within your means, but if you truly think RSUs are worth $0, then you also think the company is going to go under (or you get fired) before they vest.
I typically value them at some percentage of the current value of the stock (less than 100%) depending on the company. For most signing bonus RSUs you're getting some of them after a year anyways. That's not a long time to wait, so risk/opportunity cost is low.
At a startup or some privately traded company, yeah sure. Their value is effectively $0.
I typically value them at some percentage of the current value of the stock (less than 100%) depending on the company. For most signing bonus RSUs you're getting some of them after a year anyways. That's not a long time to wait, so risk/opportunity cost is low.
At a startup or some privately traded company, yeah sure. Their value is effectively $0.