Disclaimer: This is based on information I believe to be true, in 2024, in the United States, and in the state of California specifically. Laws change over time and there are subtleties to all these things, so please talk to a financial professional before taking specific actions. I do hope this helps illuminates how to get the most out of these benefits though. If you are a programmer (and many other fields), you are likely to encounter an Employee Stock Purchase Plan (ESPP) at your work. If y...