Talks
My talks, written out
16 of my short videos, typed up so you can read, search, and share them. These days I mostly talk about stock pay at tech companies. My older, more general money videos are further down.
Equity compensation
RSUs, stock options, and what happens when one company becomes most of your net worth.
RSUs look like money on paper. The exit plan is the hard part.
RSUs at a private company can be stuck at a valuation you can't cash out, sometimes for years. Why the question of how you'll eventually sell comes up sooner than people expect.
ReadYour company went public. Now you have a concentration problem.
Ten years in tech, then an IPO, and suddenly you have a seven- or eight-figure position in one stock. What that means and why it needs a plan.
ReadWhat a stock option actually is.
Options are the right to buy company stock at a set price. Companies use them to attract key people, but vesting schedules and expiration dates make them trickier than they sound.
Read
Archive
Older talks on general money topics
Still useful, just not what I focus on now.
Tax concepts
Roth versus traditional accounts, the backdoor Roth, tax-loss harvesting, and direct indexing.
Tax-loss harvesting in one minute.
Sell a loser against a winner so your reportable gain nets out near zero, then buy something similar to stay invested. Short-term versus long-term gains, and why the wash-sale rules matter.
ReadDirect indexing versus owning the index fund.
An index fund is one holding at one price. Direct indexing means owning the companies inside it yourself, which makes it possible to harvest losses on individual stocks.
ReadTraditional 401(k) versus Roth 401(k).
Pay the tax later or pay it now. Who each one generally suits, and why a lot of high earners use both.
ReadWhat people mean by a backdoor Roth.
A nondeductible IRA contribution converted to a Roth, used by people who earn too much to put money into a Roth IRA directly. The limits and the pro-rata rule are where it gets tricky.
Read
Investing fundamentals
ETFs versus mutual funds, sector versus broad market funds, alternative investments, and market cycles.
Bull markets, bear markets, and staying rational.
Both feel like they'll last forever while you're in them. Markets have always gone through cycles. The hard part is making good decisions in the middle of one.
ReadSector funds versus broad market funds.
A broad fund bets on the whole market. A sector fund bets on one piece of it. What QQQ, the S&P 500, and the Russell indexes actually hold.
ReadETFs versus mutual funds.
Often the same investments in a different package. How they compare on taxes, cost, active versus passive management, and when you can trade them.
ReadAlternative investments, ranked by risk and how fast you can sell.
Real estate, private credit, infrastructure, venture, private equity, and crypto, lined up by how risky they are and how quickly you can get your money out.
Read
Habits and mindset
Employer matches, keeping savings simple, cash sitting in checking, and building wealth slowly.
The 401(k) match most people never claim.
Plenty of people never check whether their 401(k) has a match or how it works. Where to find it, and why contributing at least enough to get it matters.
ReadGet rich slow: my first five years in this business.
Early mornings, late calls, and small wins that added up over my first five years. The opposite of the overnight-success stories in your feed.
ReadStop overcomplicating personal finance.
Save six months of expenses, open a small investment account, and keep at it. Everyone's numbers are different, and comparing yourself to people online mostly keeps you from starting.
ReadWhy a big checking balance isn't as safe as it feels.
Cash sitting still feels safe, but inflation slowly eats it. Where the money goes matters less than having a plan for it.
ReadSkipping the employer plan in residency? Run the math.
A worked example of a 4% match over four years of residency, and why money you don't save usually gets spent.
Read
These are transcripts of short educational videos Malik published on his own social profiles, edited for readability and to remove phrasing that could read as a personal recommendation. They are general education and marketing, not tax, legal, or investment advice, and not a recommendation to buy, sell, exercise, donate, hedge, or hold any security or to use any account, plan, or strategy. Contribution limits, phase-outs, and tax treatment change and depend on your facts. Talk with your own tax, legal, and advisory professionals before acting. Watch the originals on TikTok.