Here's another idea that goes along with what wren

Here's another idea that goes along with what wrench is saying:

I was thinking that I might sell off some UNVC shares at $4-10 to pay off my current debts.

However, a much smarter move (which is what the very rich do) is to borrow against your stock portfolio with a securities-backed line of credit from your broker. The more your portfolio is worth, the cheaper the interest rates.

Typical borrowing percentages range from 50-65% for equities, 65-80% for corporate bonds and 95% for U.S. Treasuries. But, in general, 30% is usually considered a safe percent to borrow against your portfolio (taking into account the possible ups and downs of the market).

So taking wrench's example of 1 million shares of UNVC at $10, the portfolio value is $10 million and with a line of credit at 30% of the portfolio value, you can borrow up to $3 million for whatever you want.

There are many advantages to this approach:

1) You don't have to sell any UNVC shares in order to get money to live (or buy a house, car, yacht, etc.)

2) The value of your portfolio (and those shares you didn't sell) may keep going up over time, and together with potential dividends (if they happen) would give you generational wealth.

3) If your portfolio is valuable enough, the interest rates for these lines of credit are currently very low, - e.g. 2.1% for Etrade, 1% for Interactive Brokers (the lowest rate out there) for a portfolio worth $10 million.

4) You pay no taxes on these loans (unlike the 20-40% or more taxes you would pay if you sold stock).

For me, this approach represents a big change in my thinking. I'm encouraging myself to start "thinking like a rich person"

Wall Street's Hottest Loan Product: Borrow Against Your Stocks
https://www.fool.com/investing/2017/11/19/wal...gains.aspx

Investor Alert: Securities-Backed Lines of Credit
https://www.sec.gov/oiea/investor-alerts-bull...sbloc.html