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Excuse the ignorance, but being that this is an early retirement forum, why would I necessarily want to fund something like a ROTH that I can't touch until 59? If I'd like to retire at, say 48-55, shouldn't I start building an account that I can use in the years before I can withdraw penalty...

Thanks for the input. I wasn't aware there was much variability between ESPPs. Mine does give the discount on the lower of the two dates. The company stock is not volatile and overall we really like the company, though it is in the same sector as Enron... Looks like I should spend some time...

Hello, I've searched your forums and have found some helpful information regarding ESPPs but it seems most of the discussions were centered around selling immediately. Unfortunately, my company has a 6 month holding period from the date of purchase and I'm a bit lost on how I should be using...