The Long Game 6 Ways to Get Liquidity in Your Financial Life
Jan 30, 2026
Ben Lake, a financial professional who advises high-net-worth households on liquidity and tax-efficient borrowing. He walks through sudden cash needs, when to sell taxable assets or RSUs, HELOCs versus cash-out refinancing, margin loans and pledged-asset lines, and the rising use of box spread loans for tax-savvy borrowing.
AI Snips
Chapters
Transcript
Episode notes
Check Near-Term Cash Events First
- When you need liquidity, first check upcoming cash events like bonuses or RSU vesting before selling assets.
- Use short-term planning to decide whether to save, sell, or borrow based on timing and tax consequences.
Sell Tax-Efficiently From Taxable Accounts
- Before selling from a taxable portfolio, analyze individual cost basis and tax impact to minimize taxes.
- Rebalance afterwards so selling doesn't leave your portfolio misallocated.
Be Strategic With RSU And Employer Shares
- When using employer stock or RSUs for liquidity, review tax lots and sell the most tax-efficient lots first.
- Avoid selling long-held, high-gain lots unless necessary to minimize tax bills.