Hello, The ESOP I work at is being bought, and my portion of money will be around $80k. I was looking forward to paying off the little bit of student loans I have left, and then putting the rest towards my emergency savings and house down payment (when that time comes). I recently learned that if I choose the cash option, there's a 10% tax penalty on top of that since I'm not 59. I have a company 401k that I could put it into to avoid the penalty, but then I can't use any of it for decades. But is there a smartest way of doing this that I may be overlooking?