Tag: 10 Commandments of Options Trading

Started end of last year (2025) depositing 1k into a Roth IRA then trading only 0DTEs options. So far 18k in realized Gainz. Going to retire myself with 1k. 😤💪 submitted by /u/S-S-spartan [link] [comments]

I think I'm done. Between me and my wife's account, overall loss several years of income playing options. At one point I was up nearly +$100k on my personal account. That was mostly with SPY, Nvda, and Tsla. Then I started to bleed. And tried to win the losses back. And then doubled down. And then tripled down. Sometime along the way, my account got permanently closed by RH (Can't even view my chart on that account anymore). Started playing on wife's after that. Originally found out about options thanks to some news article mentioning this Sub and someone making tons on options. In 2022 I sold 407 shares of Nvidia. That was before the 10-1 split. That's worth ~$750k now. Instead ... I'm now deep in the negative. Had some good plays, pretty spikes, went down to $200 within a week $200 -> $28k, only to lose $27k the next day. Did a juicy SPY 0dte play last week, and then blew entire account next day on the 5th with yolo on spy calls, and then it tanked. Took 15 mins to wipe out the account. Got a little desperate and a little extra dumb. Got a decent job now, working 70-80hr weeks for OT. Opened a Webull (RH is too tempting to play options cuz that green/red gives a dopamine rush or something). Now I'll just be throwing a few grand a month on a SPY/Nvidia ect, and just let it do its thing. Some day/decade, I'll get that $160k+ back via slow growth I guess. It's been a fun run. Got addicted. Going full broke fixed that addiction I think. Time to give up on that "get rich quick" dream. Got ~$90k debt to pay off and be debt free finally. Seeing SPY today shoot up and watching a $0.04 0dte go to $5.68 this morning made me sick..... After I blew the entire account just last week making that same dumb bet.... Woulda recovered all my losses and some today had I waited. Pics 5-6 is the 0dte today that makes me wanna kick myself. 4 was last week's play. 3 is the shares I had once upon a time. 2 is original account closed. 1 is me today. Last pic is my original accounts 2022 statement. Adding my loss writeoffs + wife's overall = ~$160k loss. Now sure on how the wash sale number gets added up so didn't count that towards by ~$160k loss. I don't want to know my actual total loss. Slow and steady now. Back to collecting shares. Enjoy the photo dumps. Just thinking about this again makes me feel depressed. At 28yo, honestly thought I'd be further in life. submitted by /u/Vladdroid [link] [comments]

Oil, natural gas, fertilizer and aluminum. Even if the war draws down and shipping restarts fully how long will it take for these snags to unwind? submitted by /u/sayheykid24 [link] [comments]

I bought 50k worth of 1dte calls to hold through my college class with a strict no technology policy. I checked my phone after class was done to witness this. Every once in a while I swear Donny makes me gay I did realize these since I bought 1.3~ per contract to something like 4.65~ per contract. I do not trust Donny. I’m new to using Fidelity for anything but holding so I have no idea how to see the gains in a non-confusing way especially since they don’t allow more than 200 contracts per order. Also Fidelity sucks like I literally only have this so I have to struggle to yolo and actually think about it submitted by /u/FlizzashPC [link] [comments]

A small move gives me anxiety😂😂 but just trusting RJ and hoping R2 will be a hit submitted by /u/keepBuyingApes [link] [comments]

Picked these up cause I saw some sizeable $260 strike IWM calls exp 3/17 get bought up this morning, still holding into tomorrow submitted by /u/MrLeaps [link] [comments]

What even is this letter LMAO targeting the “americanism” of ASTS? They are desperate submitted by /u/BiggieMoe01 [link] [comments]

Lets gooooooooo submitted by /u/Taneleius4 [link] [comments]

I posted earlier. Sold my big brain position at -17k loss. Continue to trade spy options to make it back, and went down to -74k. With my last 17k I made a power-hour Hail Mary on SPY 0DTE. I think I’m going to quit now lol. Clearly a lunatic… submitted by /u/ThrowAwayAnother1991 [link] [comments]

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Trump taking over Strait. Strategic oil reserves being brought into play, in US and EU. BEARS had their moment this morning. My LEAPS are printing..... UPDATE: Trump says "War coming to an end": https://www.cnbc.com/2026/03/09/trump-iran-war-end.html submitted by /u/Boston-Bets [link] [comments]

Fwd PE of 25, let's goooo! submitted by /u/run_midnight [link] [comments]

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This is your safe place for questions on financial careers, homework problems and finance in general. No question in the finance domain is unwelcome. Replies are expected to be constructive and civil. Any questions about your personal finances belong in r/PersonalFinance, and career-seekers are encouraged to also visit r/FinancialCareers. submitted by /u/AutoModerator [link] [comments]

submitted by /u/mark000 [link] [comments]

Hello degens, so with the price of oil futures climbing, I thought I'd try to get a good estimate for what kind of price we should be expecting at the pump in the near future. I pulled data from the Energy Information Agency, the St. Louis Fed, and Yahoo Finance to correlate the price of oil barrels to the average national price of gas, adjusting for inflation. Running a quick regression model, we get the following: https://preview.redd.it/uwijtt7ttxng1.png?width=2100&format=png&auto=webp&s=5e0839f36f11224b3a47fbcb0dc0af6654aec6d2 As expected, the price of gas is pretty tightly correlated with the price of oil. Adding inflation into the mix, we get that the model can accurately predict the price of gas from the price of oil and inflation (R^2 = 0.94), dating all the way back to 2000. https://preview.redd.it/79s46oolyxng1.png?width=2100&format=png&auto=webp&s=efd3aefc730f1d61d430e18efa03871e0abdc95f So the real question is, if we go back to the highs of July 2008 of $147.27/barrel, what does that give us? The results are.... um.... not great. This model predicts $5.60/gallon if we do hit get to those highs again, a doubling YTD. These are national averages, so your local gas station might be slightly higher or lower, but that should give you a rough idea for what to expect. I think it will take some time for the increases in price to fully propagate to the pump, but if the conflict drags on for long enough, we might be hitting those. I had previously calculated that it would hit $9, but turns out i'm bad at math. Puts on University of illinois engineering degrees. POSITIONS: 2009 Honda CRV and 1999 Acura Integra full gas tanks. Buy short dated CL futures. submitted by /u/Kaiwa1 [link] [comments]

Friendly reminder, the S&P500 averages a 10% correction almost once per year. Other than the straight of Hormuz being shutdown, cutting off oil supply to the globe and causing oil prices to sky rocket (as well as other commodities), company earnings are setting records. Over 80% of companies beat earnings last quarter. As soon as any sort of deal or US/Israel pull back is announced, or if the straight gets under control and supply can move through, Oil prices are going to plummet and the bull market begins for atleast another year till the next correction. Don't be dumb and sell the bottom out of fear. S&P will be down 10% if it reaches 627. Futures market shows it down around 659, there is still room to fall, and likely will. But it is going to rush back real fast. Also, another note. Anytime then VIX is above 30, historically is a great time to buy and has literally never been a bad decision. Do what you will, I didn't use AI slop to write this. Positions for fun: 250 shares MU 3K LUNR 2K POET 250 RDDT 250 MRVL And 70K cash waiting to deploy submitted by /u/Count-to-3 [link] [comments]

Nikkei 225 down nearly 6% Kospi down nearly 7% submitted by /u/-----Marcel----- [link] [comments]

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submitted by /u/Fresh-Function3319 [link] [comments]

I have a friend whose father recently passed away and she is understandably overwhelmed with settling the estate. Part of what she inherited are two annuities he had, one with Talcott and the other with Northwestern. (Location is Kentucky, USA. Father was in Ohio) I am not a financial advisor, and certainly not her financial advisor, but even I could tell from a cursory glance at the paperwork they sent to her as next-of-kin that the red flags are flying. The contracts are obviously written so as to funnel her into retaining their "financial services." They are full of obscuritanist language, scary-sounding references to "avoiding a taxable event" and the only references to terminating the contract and taking a lump sum payout are buried in a totally different section from the one discussing her "options." (this is true with both companies) She is clear about the fact that these annuities were predatory financial instruments that did not serve her father's interests, and is looking for the best way to get out of them. My questions are: When calling the insurance companies to terminate the annuities and get the money out, what red flags should she be on the lookout for? What terms and pressure tactics should she expect? Is there any specific verbiage that she herself should make use of to ensure the cleanest possible break from these annuities? Common sense would suggest that since the only person who had a contractual relationship with the insurers is deceased, it is now her money and she should be able to just get it out, but I know there's often a wrinkle with these things. Given that the cost basis of any investments her father had were reset upon her inheriting them, what "taxable events" should she actually be aware of? The paperwork makes reference to a 10% minimum from a Federal law and she will be retaining the services of a CPA to make sure everything gets taken care of on that end, but is there any legitimate cause for concern or reason to consider a strategy of drawing down the money over a longer period rather than just as a lump sum? Each annuity is in the neighborhood of $50k Are we correct that the reference to "lump sum payout" in the contracts is indeed the correct option to be communicated to the insurers? What else should people know about annuities and inheritance? submitted by /u/Nachie [link] [comments]

The former CEO’s memoir Streetwise is a love letter to the firm that forged him and a defense of the culture that made it dominant. submitted by /u/bloomberg [link] [comments]

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I've been digging into early retirement psychology, and this pattern keeps popping up. Someone hits their number. 25x expenses. Portfolio checks out. Advisor gives the green light Then they pick a new target. "Just a bit more cushion." Then another. And another. It's rarely about the math. The spreadsheet worked fine the first time. I think the number was doing something else giving a sense of control over an uncertain future. When you actually get there, the uncertainty is still waiting. So the brain just moves the target. The people who actually leave seem to have figured something out. They stopped trying to eliminate uncertainty and started building stuff that could handle it instead More money doesn't fix it. Different structure does. Anyone here hit their number and immediately feel like it wasn't enough ? submitted by /u/Beneficial-Ad-9986 [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

36F, married. I’m the only one really focused on finances right now and trying to figure out the smartest strategy. We didn’t grow up financially literate and only started investing seriously in the last few years. My husband is in a nursing program (2 more years) and rarely works while in school. He doesn’t really have opinions about FIRE or investing and mostly trusts me to figure things out, which sometimes feels like a lot to carry alone. My take-home is about $6,400/month after taxes and maxing my 401k. Current assets: My 401k: ~$100k Husband retirement (pension + IRA): ~$87k Brokerage: ~$12k HYSA for future house: $70k Emergency fund: $15k Other savings: ~$4.5k Debt: Car loan: ~$10k Housing:We pay $1,000/month because we live in my mom’s vacation home and help maintain it. It helps her and keeps our costs very low. Investing right now: Maxing my 401k (~$24.5k/year) $500/month into brokerage Things I’m debating: • Should I increase brokerage investing while our housing is so cheap?• Should we prioritize funding my husband’s IRA first?• Should we keep renting or start planning to buy a home?• yAbout $22k left for nursing school — would you take a loan or slow investing and pay cash? Long term goal is financial independence as soon as possible, but I may switch careers at some point so flexibility matters. What would you prioritize if you were in this position? I feel so behind. We won’t have kids. I have no home, no businesses. I want freedom and to be proud and have something submitted by /u/pandachibaby [link] [comments]

It seems like these are really hard to achieve in moderate to high cost of living states with a MAGI $75k+. You want to thread the needle for ACA credits. You want the majority of your $$ in retirement accounts so it’s not seen by FAFSA. You want to save for 529s, but not too much. You need cash/taxable for 5+ years for SORR, but any sort of number that you’d require blows up your SAI. But you want to take advantage of Roth conversion space but that hits MAGI. Add in a 2 tax year lead time for FAFSA and you could be trying to Fire at 50 for your first kid. What’s people’s plan for this? submitted by /u/kjmass1 [link] [comments]

I’m trying to decide whether leaving a stable federal government job at 44 to pursue real estate full time is financially reasonable, or if I’m underestimating the risks. I’m also being asked to return to the office 4 days a week, which is part of what’s pushing me to reconsider my long-term path. If you were in this situation, would you make this transition? Am I crazy, or would you tweak the plan? For context, almost everyone in my circle plans to work until traditional retirement age, so I’m trying to get perspectives from outside that environment. Location: Quebec / Ontario region (Canadian tax rules apply). Background Age: 44 Federal government employee for ~20 years Current salary: ~$130k · Background in project management · Comfortable with renovations — I own a lot of tools and enjoy doing some of the work myself If I leave, I qualify for: Departure package: ~$130k paid over two years 2 years of pensionable leave Realtor tuition covered Pension If I leave now, I would have a deferred defined-benefit pension: ~$3,700/month at age 60 (indexed) ~$3,300/month if I start at 65 CPP and OAS would also start around that time So the pension would act as a guaranteed income floor starting at 60. Current Assets Principal residence Value: ~$650k Mortgage: $0 Plan: sell (tax-free) Long-term rental (4-unit) Value: ~$900k Mortgage: ~$300k Equity: ~$600k Considering selling Short-term rental / Airbnb (4-unit) Value: ~$750k Mortgage: ~$200k Gross revenue: ~$110k/year Net: roughly ~$50k/year Investments RRSP: ~$30k TFSA: ~$4k Total net worth roughly ~$1.9M–$2M. If I sell the principal residence and long-term rental, I’d have roughly ~$1.3M liquid while keeping the Airbnb. Annual spending I’m single with no kids. Current annual personal spending: ~$45k Paid-off car No personal debt ~40k currently sitting in chequing No major home repairs expected So roughly speaking: Airbnb net: ~$50k/year Bridge capital: ~$1.3M liquid Time until pension: ~16 years The Plan Leave government and pivot into real estate and development, while going back to school to obtain a realtor license. The general idea would be: Airbnb acts as the income anchor (~$4k–$5k/month net). ~$1.3M in liquidity acts as bridge capital until the pension begins. Sell the current properties (except the Airbnb) and periodically buy, renovate, and live in a new primary residence, roughly every 4–5 years. Potentially act as my own general contractor and build or significantly renovate those homes, with the goal of selling them later as a principal residence rather than doing quick flips. Use the principal residence exemption where applicable to capture tax-free gains over time. Pension begins at 60, providing long-term baseline income and stability. My biggest concern My biggest fear is that I might be underestimating the risk of leaving a stable government job with a defined-benefit pension. At the same time, the departure package + pensionable leave + tuition feels like a rare window to make the transition. I want to make sure I’m not making an irreversible mistake. Although pretty confident in my ability to be able to get a job eventually (the current market is rough and WFH rarer) Questions Is relying on one Airbnb property as an income anchor too risky? How would you structure ~$1.3M liquid during a transition like this? Would you go full cash to fund next project? If you had ~$1.3M liquid, one cash-flowing Airbnb (~$50k net), and a guaranteed indexed pension at 60, how would you structure the next 15–16 years to balance real estate opportunities with capital preservation? What would be the biggest financial mistake someone in my position could make during this transition? Does it make more sense to buy a business that is for sell? For additional context I’m also meeting with two fee-based financial planners next week to discuss this plan professionally, but I’m curious to hear perspectives here as well. Any thoughts or critiques would be appreciated. Disclosure I used ChatGPT to help structure and organize my thoughts for this post. The situation and numbers described are my own. submitted by /u/phunkyou [link] [comments]

Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]

Im still young, 20s. Company did another layoff. I am not impacted. I love the craft, hate the corporate aspect, finding a new job is difficult (The bar is higher than in the past) . I think finding something more stable and doing something meaningful like helping people would make me more happy. I got around 600k liquid. 6 months of emergency fund afterwards. I can coast fire basically. I live rent controlled. I need around 2ish mil real value to FIRE. If I lose my job in the future, is this a step back? maybe its the layoff news thats hitting me. submitted by /u/badboyzpwns [link] [comments]

I've been working for a company with an Employee Stock Purchase Plan for a few years and have been re-examining if this plan might be advantageous. The rules of the plan are as follows: During the offering period, paycheck deductions are made. These deductions are after-tax and go into a brokerage account until the purchase date. Each offering period is quarterly. On the purchase date, company stock is purchased with the funds from the brokerage account. A 5% discount on the average of the high and low trading prices on the purchase date is applied. Is this worth it? submitted by /u/Tone-Powerful [link] [comments]

I always thought I was doing well saving for retirement and now I’m not sure and would really appreciate some insight and advice. Also, can’t believe we are almost 40!! We’d like to retire by 60, or earlier if we can. Can anyone offer advice on what to do to set ourselves up better? 39 year old couple with a 5 year old Combined salaries are $170k in a MCOLA 401K’s = $465k (he puts in 9% and company matches at 5%, I put in 8% and company puts in 12%. My company will go up to 14% when I turn 40 and then 16% at 50) Roth’s = $56k (he puts in 5%, I put in 2.5%, through Vanguard all in 2055 Target date fund because idk?) HSA = $16k (put in approx $3,200 annually - company $2k and me $1,200, but we spend some on bills) Brokerage = $3k (invested $2k about 4 yrs ago, don’t currently fund monthly, most of it is in S&P Index ETF because idk?) Cash = $35k (in a bank, need to find HYSA?) 529 = $3k (we put in $125 per month, not sure college is going to be his thing, but if so, we get 50% off tuition through my husband’s job) Cash for child = $15k (in an 11 month CD @ 3.78% that we keep rolling over) we add $50 per month plus birthday and Christmas) With our companies contributions included, I am investing about 23% and he is investing about 19%. Which I thought was right on track, but I’ve realized I want to be ahead, not ON track as I don’t want to work until 67. Annually this puts us roughly investing $35k into all of the above. Debt = Mortgage - $85k @2.5% (15 yr with 10 left) and $95k HELCO @ 6.5% (10 year with 9 left), house is worth around $550k Cars - One paid off, one brand new hybrid 2026 worth $55k, owe $36k @ 4.99% for 6 years (put down $18,500) Monthly expenses are around $5k including mortgage, car, utilities, child care, gas, groceries I don’t know if we should be funding the HSA, ROTH, 401k or brokerage more and by how much. I’d like to know what changes we need to make to set ourselves up better in 15-20 years without sacrificing too much now. We want to enjoy life, go on vacation yearly, and live comfortably while investing in our futures. Should I seek out a financial advisor or can I do this on my own? I am lost on investing stocks. I thought I could do this but now I’m second guessing…. submitted by /u/reddituser12358132 [link] [comments]

I do this every couple years - collecting new calculators that pop up. Anyone have suggestions to add to the list? I update my personal spreadsheet twice per year and afterwards I spend few hours testing different FIRE calculators with my data. As someone who thinks more visually than with raw numbers, these tools help me grasp concepts that spreadsheets alone don't make clear Each calculator has unique features that make them useful: This is my main reference point that I compare others against. The interface could be better (inputs scattered across pages) but the visual output is really clear https://firecalc.com/ This one incorporates mortality data which is fascinating. Sure, there's 4% chance I run out of money at 87, but there's also 25% chance I won't be around anyway, so that 4% feels more manageable https://engaging-data.com/will-money-last-retire-early/ What I appreciate here is setting target inheritance amounts. Other calculators show 100% success if you die with just one dollar remaining. This lets you specify exactly how much you want left for whoever comes after (whether that's family or favorite charities) https://www.nesteggly.com/fire-retirement-calculator This one converts your savings into "freedom days" per year. So with 450k saved and 70k annual expenses, you get 93 days of freedom yearly in retirement. Pretty creative way to visualize it https://engaging-data.com/freedom-calculator/ This calculator includes inflation rate adjustments which most others skip. The interface isn't my favorite but the inflation modeling is useful submitted by /u/LastNeighborhood4191 [link] [comments]

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I know the consensus is to just buy a total market index fund or S&P 500 ETF, but in practice is that really your portfolio allocation? Are you mixing in bonds, international, dividends, gold, small cap, etc.? submitted by /u/mycounterpointers [link] [comments]

Throwaway. Not a flex post - genuinely looking for feedback/perspective. Mid 30’s couple, 1 kid, renting in HCOL area HHI ~$500k Savings rate of ~33-40% of gross income. Expenses ~33% mainly due to childcare $2.5M investable net worth + $65k in child’s 529 & $5k UTMA Rough breakdown: $950k Taxable brokerage (S&P) $450k Retirement accounts (mix of Roth IRA’s/401k’s) $450k Real estate equity (cash-flowing multifamily investments) $320k Cash (mostly HYSA for emergency fund/house fund) $180k Individual company stock (fully vested) $100k T-bills $50k Crypto Nuance: while obviously not guaranteed, and not waiting around for people to die, there should be a meaningful inheritance at some point in our lives. We don’t count on it, don’t think about it day to day, however we are factoring it into our overall estate planning, and realize that it probably changes our long-term picture significantly. Recent life events - loss of a family member, raising a child, aging parents, etc. have made us question whether we’re optimizing for the wrong things. Wife and I have not taken a real vacation in years. Not really due to fear of spending, more just bogged down with life. Truthfully, we’ve never been intentionally trying to FIRE. We enjoy what we do for the most part. My wife’s job is stressful however, and we’re hoping she can either retire altogether or take a less stressful position in a couple of years. We’d like to buy a home at some point. Housing market by us is tricky, and it’s hard to justify paying $1M+ for a fixer-upper 2,800 sqft home, but not really sure what to do, or how much house we can really afford? I’d probably opt to put a large chunk of money down to feel comfortable with a smaller monthly payment. Would love some feedback on a home purchase. For people who’ve crossed into FI territory or are close (and maybe had future inheritance considerations), how did you start giving yourself permission to actually live? What spending felt worth it to you? How do you think about large commitments like a home, cars, etc? Any and all advice is appreciated. submitted by /u/Sensitive_Builder684 [link] [comments]

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Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. submitted by /u/AutoModerator [link] [comments]