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> they lost the unvested stock aka their hold out compensation of past 4 years they worked for

Are you assuming a 4 year cliff or why would one lose 4 years worth of stock?

Interesting point you're bringing up. Personally I wouldn't count unvested stock as part of my wealth.

I think the parent comment is talking about your general 5-year vesting schedule. In other words, for each of the past 4 years you worked, you will have some unvested stock today.

5-year? almost all schedules I'm familiar with in high tech are either 4-year or 1-year.

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