InvestingWithBrandon

"I need to make $2,000 in options income every month."
That one sentence has blown up more accounts than any crash.
Because the good setups aren't always there.
When you FORCE a monthly number, you start selling puts on garbage at bad prices just to hit your quota.
I only sell when the setup is close to perfect.
Some months I sell a lot. Some months nothing at all.
Need cash to live on? Sell a few shares from your base.
NEVER sell a put just to sell a put. That quota will bury you.

Retail investor: I just buy stocks of brands I use. I've got an iPhone, so I own Apple. Simple.
Me: Love it. But did you check if Apple's actually a good PRICE right now?
Retail investor: Price? I just figured a good company is a good buy.
Me: A great company at a terrible price is still a bad investment. Even the best business can be too expensive.
Retail investor: ...so I might be overpaying for good companies?
Me: Probably. I only buy great companies when they're trading for LESS than they're worth. Then I sell 1+ year portfolio secured puts & buy leap calls to magnify ultra compelling setu

Please... Just Stop
Stop selling CSP's
Stop selling covered calls on bullish stocks
Stop day trading
Stop doing short duration options trades
Stop getting emotional with your investments
Stop following the broke herd
Instead, do this:
- Build base portfolio
- Sell portfolio secured puts
- Use cash flow to buy more shares & some LEAP calls.
- Know what you own and why
- Accept volatility as opportunity
- Do 1+ year duration plays because they are easier
- Keep ratios in check
- Be patient

People underestimate how much $1 can grow.
$1 invested at 11% annual returns turns into:
- $8.94 in 20 years
- $238 in 50 years
(brainless SP500 returns here)
BUT WHAT IF THERE WAS A WAY FOR YOU TO GET 20% PER YEAR ON AVERAGE LIKE WARREN BUFFETT...
$1 invested at 20% annual returns turns into:
- $53 in 20 years
- $20,283 in 50 years
(my CAGR in last 10 years is 23% FYI)
Every dollar you spend on things you don’t need isn’t just a dollar lost today
IT'S THOUSANDS LOST IN THE FUTURE...

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The S&P 500 has never lost money on any 20 year rolling window.
2 World Wars.
The Great Depression.
2008 financial crisis.
COVID crash.
Inflation in 2022.
The Iran War volatility of 2026.
Not once did you not make money if you held...
Over 100 years of data.
Don't bet against America.
& if you do, it better be an OBVIOUS bubble... (now is not)

If you do short duration option contracts, you are about to get CRUSHED...
The number one thing that moves the price of a stock in the long term is what the EPS does. If you give a company 1 month to "boost EPS" they can't do it. If you give them 1 or 2 years, they likely can. So buying a good company at a good price & giving them time to boost EPS will likely result in a higher share price in 1 or 2 years. (Also why selling longer duration portfolio secured puts is a MAJOR HACK!)
Also, I only make bullish plays on undervalued companies. If I make a 1 month play, it's very unlikely the company

A guy recently told me that selling portfolio secured puts is "way too risky."
So I asked him what he does instead.
Him: Day trades. Buys weekly calls. Holds through earnings praying for a pop.
So let me get this straight...
Me: I sell a put on a great company when it's below intrinsic value with great EPS growth, a year out, 10% below for strike, and get paid cash for it upfront...
Him: gambling on what a stock does in the next 3 days...
And somehow I'M the risky one?
Make it make sense...

Retail investor: I always take profits when I'm up 25-30%. Lock in the gains.
Me: On your best companies too?
Retail investor: Especially those. Don't want to get greedy.
Me: So you sell your WINNERS... the elite companies actually carrying your portfolio?
Retail investor: I mean, a gain isn't real till you sell, right?
Me: & then it triples after you're out, you pay taxes on the sale, & you're sitting in cash wondering what to buy next.
Retail investor: ...I've literally done that.
Me: I never sell my winners just to sell them... I often hold them for years & sell portfolio secured puts to pu

NO day trading (impossible to predict intraday moves)
NO covered calls (caps your upside)
NO cash secured puts (cash drag)
NO spreads (bullish & bearish at same time)
NO PMCC (called poor mans for a reason)
INSTEAD, I do this to beat the market:
Build a base portfolio in $VOO & $Q.
Buy great companies for less than they are worth.
Do 1+ year options on ultra compelling setups
Then let it compound for years.
10 minutes a day.
& it quietly smokes almost everyone doing the flashy stuff.

Retail investor: I throw every extra dollar at paying off my mortgage early. Debt free is the dream.
Me: What's your rate?
Retail investor: 3.5%.
Me: So you're racing to kill 3.5% debt... while the market does 10%+ & you could sell portfolio secured puts for even more on top?
Retail investor: But being debt free just feels safe.
Me: That's the key thing... you're picking a guaranteed 3.5% "return" over money that could compound way higher.
Retail investor: So paying it off early actually costs me?
Me: Massively, over the years. Cheap fixed debt is the best deal you'll ever get handed.
Don't ra

Retail investor: I sell weekly options. Quick premium, quick money.
Me: How do you actually know what a stock does in the next 5 days?
Retail investor: I watch the charts, read the setups.
Me: Be real... does ANYONE on earth know what a stock does next week?
Retail investor: ...no. Even when I'm dead sure, I'm wrong half the time.
Me: That's the key thing... the short term is pure noise. Selling weeklies is guessing a coin flip 52 times a year.
Retail investor: So what do you do instead?
Me: I sell portfolio secured puts a YEAR out. I'm not guessing next week.
I'm betting a great company I bou

Unpopular opinion: cash secured puts are one of the dumbest "smart" strategies in all of options
Think about it...
Selling a put means you're BULLISH. You WANT the stock to go up.
So why park a giant pile of cash behind it, earning essentially nothing at a time you are BULLISH
That's the cash drag. & it quietly destroys your returns
Secure the put with your portfolio instead
Same premium, but your collateral compounds the entire time
CSPs aren't safe. They're expensive. Change my mind...