There was a woman in her late 30s in one of my college classes back in 1999. She was a driver for UPS, and had nearly 20 years worth stock options. UPS went public that year, and her stock options were converted to Class A common stock. She decided to hang onto her shares. I found out a couple of years ago that she signed up for a DRIP (Dividend Reinvestment Plan), and will retire a millionaire.