A 50-year-old Seattle woman found out she has $18M in a single stock, but has ‘no idea’ what to do with it

Core Insights - A woman named Sarah discovered her former employee benefits account is now worth approximately $18 million, potentially linked to a tech giant like Nvidia [2][3] - Financial expert Dave Ramsey advises her to diversify her investments and be cautious about tax implications from selling shares [3][4] Investment Strategy - Ramsey emphasizes the importance of not having a significant portion of net worth tied to a single stock, labeling it as "scary and unwise" [3][5] - He recommends consulting with a tax planner or investment adviser to minimize tax liabilities while diversifying her portfolio [5][6] Tax Considerations - The maximum federal capital gains tax rate for high earners is 20%, with an additional 7% state tax applicable in Washington State [4] - Selling even a small fraction of the account could push Sarah into the highest tax bracket, necessitating careful planning [3][4]