InvestingWithBrandon

Retail investor: I trade short term options. Faster expirations, faster money. More theta.
Me: How do you know which way the stock moves in 5 days?
Retail investor: I read the charts, watch the setups...
Me: Be honest. Does anyone actually know what a stock does next week?
Retail investor: ...no. Even when I'm sure, I get it wrong half the time.
Me: Right. The short term is pure noise. So selling weeklies is just guessing a coin flip 52 times a year.
Retail investor: & you don't do that?
Me: I sell portfolio secured puts a year+ out. I'm not guessing next week, I'm betting a great company boug

I have over $3 MILLION bucks in the stock market in
$VOO and $Q
That will average 11% annually in the long run.
I’ll make $330k a year on average for doing nothing
This doesn't even account for the $25k+/mo I make with 1+ year portfolio secured put options
Fibonacci that!

The average new car payment is over $700 a month now.
Here's what $700 a month does in the market instead, using nothing fancy... just $VOO & $Q compounding at what they've historically done.
10 years: roughly $150,000.
20 years: roughly $580,000.
30 years: well over $1,500,000.
That's the actual price of the truck. Not $55,000. A million and a half.
I'm not saying never buy a nice truck. I'm saying know what you're trading for it.
Most people have a $700 payment & a $0 brokerage account & genuinely can't figure out why the rich keep getting richer.
The truck depreciates the second you drive i

I know a guy who makes $500k a year & has less invested than people making $80k.
Leased BMW. Jumbo mortgage. Private school. $13k months on his credit card.
Income isn't wealth. Income is water flowing through the house. Wealth is what's in the tank.
His pipe is enormous. His tank is empty.
Meanwhile the guy making $80k with 30% going into $VOO & $Q every month is quietly building something the $500k guy will never have... money that makes money without him.
The only number that matters is what you KEEP & put to work. Not what gets deposited.
You can out earn almost anyone & still end up broke

When the market is cheap & everyone is panicking
Two things are true at the exact same time
1. Put options are expensive
Herd is buying them for protection
2. Call options are cheap
Nobody wants to be bullish
So I do both at once
Sell puts for top dollar
Buy calls for bottom dollar
Then the market recovers
The put I sold for top dollar is now worth almost nothing.
The call I bought for bottom dollar is now worth a lot.
Close both & Take the profit.
That is how you capitalize on human emotion

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.