InvestingWithBrandon

Retail investor: 5 years in the market & I'm negative overall. Meanwhile the Nasdaq $Q is up huge. I think I'm just not built for this...
Me: 5 years of doing WHAT though? Walk me through it.
Retail investor: Bit of everything. Short term options plays, some meme stuff, day trading for a while, crypto in there too...
Me: So 5 years of trying many different ways to get rich fast. That's not 5 years of investing. That's 5 years of gambling with different games.
Retail investor: Harsh but... yeah, probably fair.
Me: Here's the thing that should actually give you hope. You said the index is up hug

"But what happens when the market crashes 50%, Brandon?"
Nothing.
My ratios are ALWAYS in check. I never sell more puts than my base portfolio could comfortably cover, even after a massive fall.
So a 50% crash doesn't margin call me. Doesn't force me to sell. Doesn't wipe me out.
You know what it actually does?
Puts every great company on sale & makes put premiums the fattest they've been in years.
The crash isn't what kills people.
Being over leveraged with no plan is...

"I need to make $5,000 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 ELITE.
Some months I sell a lot. Some months only a few.
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 investors have been fed crap their entire lives about how to make it in the stock market.
Do more trades
Get more screens
Draw more lines
Get more indicators
Take on more leverage
Get your timing better
Do more complex options strategies
All to realize... it was all a waste.
The disgust you will eventually feel will be like nothing you ever experienced before.
You poured your heart and soul into trading and didn't make it.
Just like almost everyone else...
And at that point, you will give up and think the stock market is not for you.
But the hard truth that took me many years to realize

You will NEVER get rich selling covered calls.
Let me explain why.
You own the shares = you're bullish.
Then you sell a call = you cap your own upside.
So when the company you LOVE finally rips 40%, you get called away at your low strike and watch it run without you...
You collected pennies to give away the steak.
Sell portfolio secured PUTS instead.
Take that premium. Buy MORE shares. Let them compound for years.
One strategy caps your upside.
The other stacks it...

When the market "CRASHES"
Everyone says "Buy the dip"
But do you know what it feels like to actually buy during a "meltdown" as an average retail investor?
- Your portfolio is red.
- The news says the world is ending.
- You second guess everything.
- You end up panic selling... at the exact wrong time.
Happens every cycle.
Smart investors will:
- Buy shares while they are on sale.
- Buy calls when nobody wants them. (cheaper)
- Sell puts when the herd is paying top dollar for them. (selling for max premium)
I always say the emotional aspect of investing is what crushes most retail investors...

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🔴If you sell cash secured puts, just know that you are making a MASSIVE mistake.
Selling puts means you are BULLISH on a company, yet you wanna let a bunch of cash sit there and do nothing...
Why not use the cash to buy shares of the company you are bullish on...
Secure the trade with that.
& guess what, you will not be on margin.
No margin interest.
Simply securing the puts with your portfolio, not cash.
Cause guess what, shares can be sold for cash if you gotta take assignment.
Many will say this is risky.
But you are simply wrong.
Keep your ratios in check.
Quality companies.
Quality valua

🔴Selling covered calls is the most popular herd mentality "options strategy" on earth.
Let me explain.
Covered calls means you own the shares, that's what makes it covered.
If you own the shares, you are bullish right?
Hope so!
So what does selling calls actually mean?
Well, you are agreeing to sell your shares at a certain price in a certain timeframe.
Sounds good right?
You get to sell your shares for a profit and collect the premium.
In theory, sure.
But in the real world, there is a MAJOR problem.
CAPPING YOUR UPSIDE!
I can't tell you how many people I have talked to that bought shares ca

🔴Your crappy strike price is why you get smoked with options...
(how to fix it right now)
Most retail investors sell puts with a strike price 5% ish below the current market price to "build a margin of safety"
They usually do this with monthly contracts.
Here's the BIG problem.
5% is not a good enough margin of safety, especially with a 1 month contract where you have no tailwinds of growth behind you.
(as EPS climbs, the stock will follow that up)
The solution is to sell 1+ year puts.
You can pick a strike price 20% below the money, get great premium, build a MUCH better margin of safety, ha