InvestingWithBrandon

If I could send one message to myself at 20, it's this:
Stop.
Stop day trading. 99% lose. You are not the 1%.
Stop selling covered calls on companies you are bullish on. You're capping the upside which is the sole reason you bought the shares.
Stop parking cash to secure puts. Your base portfolio shares can do that job while they compound. Cash secured is the "underperforming" version.
Stop buying weeklies. Nobody knows what happens by Friday. Not even the CEO.
Stop looking for the complicated answer when there is a simple one.
Here's the whole thing: $VOO & $Q base. Never sell it. Sell 1+ yea

I hope everyone had a great week!
Enjoy the long weekend🥊

Retail investor: I sold a put & now I check it 20 times every single day. Can't stop.
Me: What are you checking for?
Retail investor: If it's going against me.
Me: & then what? What do you actually DO with that information?
Retail investor: ...nothing usually. I just look.
Me: Did you sell a long duration portfolios secured put on a great company at a good price?
Retail investor: ...dude IDK what that even means. This is a meme stock and I went 1 month out for the expiration date.
Me: Thats your problem... Garbage company. Bad valuation. Fear of assignment. Bad strike & expiration date.
Retail

Retail investor: I just buy and hold index funds. Slow and steady.
Me: Good. Seriously. That's the base. I do the exact same thing with $VOO and $Q
Retail investor: Wait, you hold index funds too?
Me: Of course. The only difference is I don't let them just sit there. I use them as collateral and sell puts against them for another 15% ish on top.
Retail investor: So you're not replacing index investing… you're stacking on it?
Me: Exactly. You're doing step one perfectly. You just stopped before step two.
Retail investor: What if he market crashes with he portfolio secured put?
Me: Ratios are al

I had a post about portfolio secured puts blow up recently, and there are a bazillion questions about how this actually works, so let me explain the entire thing as simply as possible.
First off, I made many YouTube videos covering this. So looking there is always best since I can show things in the videos.
But I’ll do my best to make it make sense here.
A normal cash secured put works like this:
You sell a put and collect premium, but you keep enough cash sitting in your account to buy the shares if you get assigned.
The problem I have with that is pretty simple.
Selling a put is a bullish st

The MOST important thing you need to learn RIGHT NOW is how to calculate the future cost of your current actions...
READ THAT AGAIN.

Quit staring at the greeks.
Delta, theta, vega, all of it.
People act like the answer is buried somewhere in those numbers.
It's not.
The greeks don't tell you if a stock is little to go up or down.
Get the company right. Get the price right. The greeks don't matter near as much as the gurus want you to believe.

Walk into a dealership & put $60k down on a truck.
Then ask if you can keep that $60k in your brokerage account... still invested, still compounding... while it also counts as the down payment.
They'll laugh you out of the building. "The money has to actually be THERE."
But that's exactly what I do every single month.
My shares ( $VOO / $Q ) never leave my account. They sit there compounding ~11% a year.
Those SAME shares back every put I sell for another ~15%. Nothing moves. Nothing gets frozen.
Same money. Two returns. Never on margin. Ratios always in check.
That's how 10% quietly becomes 2

My last portfolio secured put post blew up & the same 4 questions came in a thousand times. Answering them all here.
"What if the stock crashes below your strike?"
Then I buy a great company at a price I already picked, minus the premium I already collected. That's not the risk. That's the plan & of course I will likely roll before it comes to that.
"Don't you need the cash sitting there?"
No. That's cash secured. Mine are secured by my $VOO & $Q & Elite companies. The broker just needs to know something covers the promise. Shares work fine & they compound the whole time.
"Isn't that just nake

You will NEVER get rich selling cash secured puts. Let me explain why.
You sell the put = you're bullish. That's the whole reason you did it.
Then you park $50k, $100k, $200k in cash to "secure" it... which means the money you're bullish with is now sitting OUT of the market you're bullish on.
Think about that for a second. You made a bullish bet & benched your capital from the bull market.
Best case? The put expires, you keep a few thousand in premium... while your cash earned nothing next to a market that averages double digits.
You won the trade & lost to the SP500 still.
Now portfolio secu