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Hello, welcome to the Nerd Wallet Smart Money podcast where we answer your money questions in 15 minutes or less.

I'm your host, Liz Weston.

And I'm your other host, Sean Piles.

As always, be sure to send us your money questions.

You can call or text the Nerd Hotline at 901-7306373.

That's 901-730 Nerd. Or you can email us at podcast at nerdwollot.com.

This episode, we've got a really interesting question that will be familiar to anyone who's

worked at a startup. It comes from Kelly in Sacramento. She asks, my tech company offers stock

options and there is so much hoopla over them in the Bay Area.

I don't know if I should even exercise, given my $90,000 student loan debt.

But at the same time, have FOMO.

That's fear of missing out for any of you who don't know.

Most of the people I work with in tech are lucky to have no debt as their parents paid for all of their college.

Lucky people. It is a private company, so I can't just sell my options on the open market. What's your

advice? Oh boy, Kelly. So you're dealing with student loans, but you also want to try your hand at

investing. It sounds like we have some similar financial journeys here,

and I also have that FOMO, and I don't think that we're alone with that. And Kelly, I really like

...