Options and real estate wedlock - a beginner level trade on a real estate backed asset

[cyanide12345678]

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Add buying 1-2 year slightly ITM (or slightly OTM depending on your risk tolerance) LEAPs on those same indexes (i assume SPY and QQQ) anytime there's a greater than 3-4% pullback over a 1-week time period. You can back test permutations of this to see what works.

I don't have any index positions currently, but know a handful of dudes that juice their index investing both with writing puts and going long with LEAPs during egregious pullbacks.

Remember, the stock market is now America's retirement bag along with an EXTREMELY important pool of liquidity upon which business operations depend quarter over quarter.

To me this means prolonged (i,e multiple years-long) bear markets will be a thing of the past outside of black swans.

Cheers here's the current portfolio.

Just rolled everything further to 90 ish days 2 days ago when VIX was fairly decent to essentially create the trades for the next 30-40 days that I try my best not to mess with unless things are really going against me.

But yeah...things to note:

1) I own equity now (SPY, VXUS, Bitcoin as core holdings) - plus a little bit of GPIX, more on that later.
2) A very very very diversified portfolio of puts that are extremely out of the money.
3) No single naked put has a nominal value greater than 250k. For example, previously I've had positions like 550 contracts on CNC at $20 strike. Positions are actually sized appropriately now. No single position has a gigantic amount of premium either (mostly 1-3k premiums).
4) GPIX - All the money in GPIX in fact is from the "additional return" that Im getting from my puts. Every time I sell a put, I get premium, I immediately use that cash to buy GPIX - Helps me track my performance for puts. Lower risk than SPY. Tax friendly. 6-8% dividends through cash covered positions.
5) Covered calls that are also VERY VERY far out of the money (Covered calls on bitcoin and SPY).
6) I keep an extra 90-100k of margin maintenance requirement open at all times - this gives me added flexibility when things are going against me.
7) The naked puts are truly very far out of the money. Maybe 1 position is within 20% of current price. Most are around 30% below current price.

 

[Splenda88]

How much people have saved/invested this year?

It's been a disappointing year a little bit. The goal was 150k but I am probably gonna end up being 5k short. Gotta tell my wife no more 1k/night hotel when we travel. I also spent ~30k replacing a roof in one of my investment properties.

I also make 71k less than I made last year (383k vs 454k).

 

[emergentmd]

How much people have saved/invested this year?

It's been a disappointing year a little bit. The goal was 150k but I am probably gonna end up being 5k short. Gotta tell my wife no more 1k/night hotel when we travel. I also spent ~30k replacing a roof in one of my investment properties.

I also make 71k less than I made last year (383k vs 454k).

If your wife doesn't work, saving 145K on 383K is high savings rate.

 

[cyanide12345678]

How much people have saved/invested this year?

It's been a disappointing year a little bit. The goal was 150k but I am probably gonna end up being 5k short. Gotta tell my wife no more 1k/night hotel when we travel. I also spent ~30k replacing a roof in one of my investment properties.

I also make 71k less than I made last year (383k vs 454k).

Currently I have the following investments on automation. This is the amount annualized but the automation is essentially weekly or biweekly if paycheck related:

23k into 401k (with 16k employer match)
23k into 457b
10k into my solo 401k
55k into wife's solo 401k
7k HSA
7k 529s for 2 kids
67k in taxable ($1300/wk)

I believe I did 2 syndications this year, so maybe 40k or something.

In addition to the automation, It is fairly routine for me to add extra chunks in the market when I have surplus cash. Probably around 20-40k additional in to my taxable account over the year, but I'm not sure.

Net worth YTD Is up 568k to date. 620k if you account for the funds stuck in walmart and amazon that haven't been sent to my bank yet.

I have no idea what the family income was for 2025 - Will know when I sit down and do taxes lol.

 

[Splenda88]

If your wife doesn't work, saving 145K on 383K is high savings rate.

She does not. I am bankrolling our lifestyle. Lol

 

[Splenda88]

Currently I have the following investments on automation. This is the amount annualized but the automation is essentially weekly or biweekly if paycheck related:

23k into 401k (with 16k employer match)
23k into 457b
10k into my solo 401k
55k into wife's solo 401k
7k HSA
7k 529s for 2 kids
67k in taxable ($1300/wk)

I believe I did 2 syndications this year, so maybe 40k or something.

In addition to the automation, It is fairly routine for me to add extra chunks in the market when I have surplus cash. Probably around 20-40k additional in to my taxable account over the year, but I'm not sure.

Net worth YTD Is up 568k to date. 620k if you account for the funds stuck in walmart and amazon that haven't been sent to my bank yet.

I have no idea what the family income was for 2025 - Will know when I sit down and do taxes lol.

Over 200k is excellent. Nice net worth increase.

 

[emergentmd]

2025 has been great, won't say the exact numbers but I spend like a drunken sailor and still invest about 85% of my income.

 

[Splenda88]

2025 has been great, won't say the exact numbers but I spend like a drunken sailor and still invest about 85% of my income.

You definitely can afford to spend like a drunken sailor when your saving rate is 85%.

 

[Groove]

Green candle! Maybe a Santa rally after all.

 

[Groove]

ORCL I think has found a bottom and is trading about 7% away from comfortable stop which isn't unreasonable considering the R:R. It's trading 44% below high 71 trading sessions ago. Not a bad place to take a long position for anyone that needs additional XLK position.

Bought GILD. Stop 118. Bought IBIT. Stop 46.33.

BOJ Carry on unwind what?

 

[Splenda88]

ORCL I think has found a bottom and is trading about 7% away from comfortable stop which isn't unreasonable considering the R:R. It's trading 44% below high 71 trading sessions ago. Not a bad place to take a long position for anyone that needs additional XLK position.

Bought GILD. Stop 118. Bought IBIT. Stop 46.33.

BOJ Carry on unwind what?

I see the bottom at 165-170

 

[stillpremed]

Can Bitcoin stop being negative even on one of the most Green Days -_-

We'll see. I'm in the stock but not convinced we're leaving this cursed range.

Convinced now gang?

 

[stillpremed]

2025 has been great, won't say the exact numbers but I spend like a drunken sailor and still invest about 85% of my income.

I have as much $RIVN as @emergentmd spends annually

 

[AlmostAnMD]

Jared Isaacman officially nasa administrator

All space stocks responded appropriately

He is super heavy into commercialization of NASA, which anyone with a brain can figure out is a great idea. Also a certified fighter pilot and has been to space twice. Literally the only political appointment from Trump that actually made the country better--and my investments greener

 

[cyanide12345678]

I have as much $RIVN as @emergentmd spends annually

Damn. Good day for you then.

 

[cyanide12345678]

Convinced now gang?

still in that range for bitcoin. Nothing really seems to be happening there.

 

[stillpremed]

still in that range for bitcoin. Nothing really seems to be happening there.

Yah I think we can bounce to 98K then go back to the 80-90 range for a bit

Yah the range is tight not sure how I quoted you haha

 

[stillpremed]

Jared Isaacman officially nasa administrator

All space stocks responded appropriately

He is super heavy into commercialization of NASA, which anyone with a brain can figure out is a great idea. Also a certified fighter pilot and has been to space twice. Literally the only political appointment from Trump that actually made the country better--and my investments greener

Your RKLB kingmaker

 

[EMdoc235]

How much people have saved/invested this year?

It's been a disappointing year a little bit. The goal was 150k but I am probably gonna end up being 5k short. Gotta tell my wife no more 1k/night hotel when we travel. I also spent ~30k replacing a roof in one of my investment properties.

I also make 71k less than I made last year (383k vs 454k).

That's a really good savings rate. I saved/invested around 180K at least this year. My physician pay for the year is around 610K. I think I'm missing some numbers in the savings though which I'll have to confirm when I do my accounting spreadsheet end of year.

 

[Groove]

https://seekingalpha.com/news/4532606?gt=b764831bb2c46b7c

Interesting article bullish on drones for 2026. KTOS, ONDS, AVAV at nice levels not too far off from strong supports. Especially AVAV. I'm going to read some more about them.

ONDS up 14% today.

 

[stillpremed]

That's a really good savings rate. I saved/invested around 180K at least this year. My physician pay for the year is around 610K. I think I'm missing some numbers in the savings though which I'll have to confirm when I do my accounting spreadsheet end of year.

Best thing about making this much is you can take more risks

 

[Groove]

I see the bottom at 165-170

I hope not. 🙁

Date	Firm/Analyst	Action	Rating	Price Target Change	Notes
Dec 11, 2025	Bernstein	Maintained	Outperform	$364 → $339	Lowered on earnings miss but kept positive outlook
Dec 11, 2025	BMO Capital	Maintained	N/A	Included in ~$303 avg recent	Part of post-earnings cluster
Dec 11, 2025	Bank of America	Maintained	N/A	Included in ~$303 avg recent	Highlighted AI pipeline strength
Ongoing Dec 2025	Guggenheim	Reiterated Buy	Buy	$400 (unchanged)	Named top 2026 software pick despite volatility

Huge backlog conversion potential for 2026. Oversold on D/W and lots of capitulation selling volume a few days ago which I hope represents the bears waving a white flag but we'll see. Either way, super great valuation right now but definitely not out of the woods and trading well under several key moving averages and resistance levels.

How much people have saved/invested this year?

It's been a disappointing year a little bit. The goal was 150k but I am probably gonna end up being 5k short. Gotta tell my wife no more 1k/night hotel when we travel. I also spent ~30k replacing a roof in one of my investment properties.

I also make 71k less than I made last year (383k vs 454k).

Most years around 100-150K. This year it was around 200K. Next year, probably only 120K because I'll be working less.

 

[Splenda88]

I have as much $RIVN as @emergentmd spends annually

You aren't selling yet?

 

[AlmostAnMD]

oh wow

Rivian starting to maybe pull out of their cash burn? I haven't followed them since the IPO tanked. Does seem like it might recover now tho, cool

 

[emergentmd]

@AlmostAnMD, yesterday I bought RDW call exp 1/2028, strike $1, premium 40K(55 contracts) for $7.3/share. Spread yesterday from strike and stock price was about $6.50 so I was paying about 80 cents to obtain a 2 yr contract per share which was a no brainer.

In 2 yrs, this company will declare itself. If it doesn't do well, I may be able to recover some if it hovers around the 4-$7 price. My break even on the stock is $8.25 and profitable anything above. Here is to it going to $100+ and if so, I will ship you your favorite bottle of liquor.

RDW is currently at $8.30 so above my break even threshold. It is up 20% today!!!

 

[emergentmd]

I have as much $RIVN as @emergentmd spends annually

Man, good luck on Rivn. I just do not have good vibes about them going against Tesla or their CEO. Rivn needs do something other than selling EVs to justify their valuation. They are trying to get into autonomy but they are too little/too late IMO.

maybe some big company will buy them out but i just don't like their headwinds.

 

[AlmostAnMD]

@AlmostAnMD, yesterday I bought RDW call exp 1/2028, strike $1, premium 40K(55 contracts) for $7.3/share. Spread yesterday from strike and stock price was about $6.50 so I was paying about 80 cents to obtain a 2 yr contract per share which was a no brainer.

In 2 yrs, this company will declare itself. If it doesn't do well, I may be able to recover some if it hovers around the 4-$7 price. My break even on the stock is $8.25 and profitable anything above. Here is to it going to $100+ and if so, I will ship you your favorite bottle of liquor.

RDW is currently at $8.30 so above my break even threshold. It is up 20% today!!!

Isaacman was just confirmed as NASA admin, that's highly bullish for entire space sector. Every commercial space program was salivating over him. One of the first things he ensured was get Trump to sign the ensuring american space superiority exec order:

ENSURING AMERICAN SPACE SUPERIORITY

By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: Section 1. Purpose.

www.whitehouse.gov

Many, many billions are going to flow into space over the next few years.

A lot of this is news reacting to a few things in a few sectors over a short time, don't be surprised if there's a pullback but overall trajectory is good

 

[emergentmd]

Isaacman was just confirmed as NASA admin, that's highly bullish for entire space sector. Every commercial space program was salivating over him. One of the first things he ensured was get Trump to sign the ensuring american space superiority exec order:

ENSURING AMERICAN SPACE SUPERIORITY

By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: Section 1. Purpose.

www.whitehouse.gov

Many, many billions are going to flow into space over the next few years.

A lot of this is news reacting to a few things in a few sectors over a short time, don't be surprised if there's a pullback but overall trajectory is good

Thanks man..... I am good pulling this slot machine. It will be an interesting and fun next 2 yrs. I am hoping it spikes to over $100. I would be nice pocketing 500K, but I am rooting for you more so b/c it sounds like you will be a made man if it hits $100

 

[Splenda88]

Thanks man..... I am good pulling this slot machine. It will be an interesting and fun next 2 yrs. I am hoping it spikes to over $100. I would be nice pocketing 500K, but I am rooting for you more so b/c it sounds like you will be a made man if it hits $100

You think RDW can actually reach $100 in 2 yrs!

 

[emergentmd]

You think RDW can actually reach $100 in 2 yrs!

It is a $1B company at $7-8. $100 puts them at around $13B which is not that big but that is a moonshot. Maybe it hits 20-30 and I would 3-4x my money. Haven't done much research other than a quick AI search. I am going with AlmostAnMD conviction.

This is just play money to me anyhow

 

[AlmostAnMD]

PROBABLY not 100. The defense part of their corporation will probably take it to 40-60 range.

The real variable is the medical part. They already printed a usable human meniscus in space. Their goal is to print organs. If they actually succeed....yes

 

[emergentmd]

PROBABLY not 100. The defense part of their corporation will probably take it to 40-60 range.

The real variable is the medical part. They already printed a usable human meniscus in space. Their goal is to print organs. If they actually succeed....yes

2 yrs is a lifetime. Can't someone dream?

 

[Splenda88]

PROBABLY not 100. The defense part of their corporation will probably take it to 40-60 range.

The real variable is the medical part. They already printed a usable human meniscus in space. Their goal is to print organs. If they actually succeed....yes

If they can print usable/functional organs, I am sure the stock will reach $1000/share.

 

[AlmostAnMD]

If they can print usable/functional organs, I am sure the stock will reach $1000/share.

Oh, definitely. It would be a "true" best case.

I was skeptical at first, but it seems legit.

They started small (meniscus example). But the goal is whole organs.

Idea is to use a scaffolding then use your own DNA (stem cell ****) to 3D print on the scaffolding. It can only be done in space because gravity messes up printing this complex. The scaffolding dissolves and you're just left with your own literal heart if you need a transplant, fully grown.

No immunosuppression. No animals. Just your heart.

Cool theory. Yeah, IF it works, major cash. Very, very early tech buy theoretically possible.

 

[Groove]

Account down 5% last Friday. Up 4.2% this Friday. I think my coronary calcium score just went up 5%.

 

[stillpremed]

Man, good luck on Rivn. I just do not have good vibes about them going against Tesla or their CEO. Rivn needs do something other than selling EVs to justify their valuation. They are trying to get into autonomy but they are too little/too late IMO.

maybe some big company will buy them out but i just don't like their headwinds.

Appreciate it! To me it’s not a winner take all, EV demand in the US is down because everyone who wants a Tesla has one and there’s not great options in the 40-50K range until the R2 comes out. Being second best has a place in the investment space 🙂

 

[RustedFox]

Account down 5% last Friday. Up 4.2% this Friday. I think my coronary calcium score just went up 5%.

Great clinical vignette.

 

[emergentmd]

Appreciate it! To me it’s not a winner take all, EV demand in the US is down because everyone who wants a Tesla has one and there’s not great options in the 40-50K range until the R2 comes out. Being second best has a place in the investment space 🙂

Agreed that there will be many different EV makers at the table. I think new EV sales will outnumber gas in 5 yrs not only in the world but the US.

But the valuation of these companies are not by selling cars. It’s autonomy and whatever SAS they can sell. Making 5-10k a car doesn’t justify its valuation.

Think eventually most cars will be autonomous and the only maker with a viable path in the next 2-5 yrs is Tesla. Everyone else if a few yrs behind in tech and a decade behind in data.

 

[stillpremed]

Agreed that there will be many different EV makers at the table. I think new EV sales will outnumber gas in 5 yrs not only in the world but the US.

But the valuation of these companies are not by selling cars. It’s autonomy and whatever SAS they can sell. Making 5-10k a car doesn’t justify its valuation.

Think eventually most cars will be autonomous and the only maker with a viable path in the next 2-5 yrs is Tesla. Everyone else if a few yrs behind in tech and a decade behind in data.

Time will tell. Targeting triple digit $RIVN by end of this decade let’s see!

 

[Groove]

https://nof1.ai/leaderboard

So, apparently the mystery model that kept beating the other AI models in the trading championship was in fact Grok 4.2 (still in beta) according to Elon. Now, I really want to play with 4.2. I wish they'd hurry up and release it.

 

[Groove]

https://seekingalpha.com/article/4854816?gt=c42a7343f77a16c0

Interesting article on cannabis stock potentials for 2026 for anyone playing that sector. VFF, OGI, HITI. VFF and HITI are the only ones with decent entry positions in my estimation.

 

[cyanide12345678]

https://seekingalpha.com/article/4854816?gt=c42a7343f77a16c0

Interesting article on cannabis stock potentials for 2026 for anyone playing that sector. VFF, OGI, HITI. VFF and HITI are the only ones with decent entry positions in my estimation.

If im going to play that sector then id rather play the cannibis etfs - yolo, weed, mj are the big ones

 

[EMdoc235]

Best thing about making this much is you can take more risks

Yeah but I’m a p***y when it comes to betting on more smaller scale, individual stocks. I shouldn’t be since I’m 32 and have lots of time. I took really small positions in planet labs, RKLB and didn’t buy Rivian because of its prior history. Maybe I’ll start larger positions in these stocks if and when they drop next.

 

[Groove]

Yeah but I’m a p***y when it comes to betting on more smaller scale, individual stocks. I shouldn’t be since I’m 32 and have lots of time. I took really small positions in planet labs, RKLB and didn’t buy Rivian because of its prior history. Maybe I’ll start larger positions in these stocks if and when they drop next.

Try paper trading. It's a great way to get comfortable with trading strategies but nothing quite replaces trading with your own money. Still though, I think I paper traded SA quant database for a full year before getting my feet wet back in the beginning.

 

[Groove]

Full transparency, I’ve taken out about a 500k margin position on NVDA to bring it to 1M valuation when it was around 173-175. I’m not a typical margin guy but I just didn’t want to sacrifice any of my other positions and I felt strongly enough about NVDA that I was willing to use leverage. I would not do that with most other stocks but like I’ve said before this is a high conviction stock. I intend to hold that margin position for the foreseeable next few months and possibly for the entire next year. The interest will be about 10% (annual). I have extremely high confidence that it will pay off.

 

[RustedFox]

Full transparency, I’ve taken out about a 500k margin position on NVDA to bring it to 1M valuation when it was around 173-175. I’m not a typical margin guy but I just didn’t want to sacrifice any of my other positions and I felt strongly enough about NVDA that I was willing to use leverage. I would not do that with most other stocks but like I’ve said before this is a high conviction stock. I intend to hold that margin position for the foreseeable next few months and possibly for the entire next year. The interest will be about 10% (annual). I have extremely high confidence that it will pay off.

So you're saying: "I like the stock."

🤣

Somewhere, deepfcukingvalue is smiling .

 

[AlmostAnMD]

I lack the understanding of how margin works to utilize it

I've been tempted with equal conviction but too lazy to really look into it. How do you pay it off?

 

[SeekerOfTheTree]

Full transparency, I’ve taken out about a 500k margin position on NVDA to bring it to 1M valuation when it was around 173-175. I’m not a typical margin guy but I just didn’t want to sacrifice any of my other positions and I felt strongly enough about NVDA that I was willing to use leverage. I would not do that with most other stocks but like I’ve said before this is a high conviction stock. I intend to hold that margin position for the foreseeable next few months and possibly for the entire next year. The interest will be about 10% (annual). I have extremely high confidence that it will pay off.

That is brave. I don't have enough guts. The most I've ever taken out was 200k over multiple stocks. I'll use margin money for covered open puts but those are interest free.

 

[Groove]

I lack the understanding of how margin works to utilize it

I've been tempted with equal conviction but too lazy to really look into it. How do you pay it off?

It's usually your brokerage account, not an IRA. You apply for margin privileges and you'll have a certain amount of buying power where they will lend you a certain percentage of your account. Usually 100% of your account in my case. So, if my brokerage has 2M in it, I can pull out 2M on leverage at 10% annualized. It pays out fractionally each month depending on how long you hold it. There's a lot of "safe" ways to manage it. I'll typically calculate how much I'd be willing to lose before making the trade and apply a stop loss around that level. Once the trade is making you money, I will typically update the stop loss once the leveraged trade has been "financed" meaning I've earned the interest that I would have been willing to pay over the next year, etc..

If the market is trending or you are bullish then the leverage allows you to increase your gains. If not, then it increases your losses. If you blow up the account then you owe all the margin back. But that never happens to traders, right? 🙂

I normally DO NOT ever use margin. The exception in this case was that I was supremely confident I was getting a good deal with NVDA and I wanted to double my position immediately without re-balancing. I'm sure I'll do some rebalancing as I move forward and won't hold the entire margin position.

 

[WhatJobDoIPick]

LMAO, I know, it's hard to watch day-by-day.

You really have to brain off for years while DCAing. It's as simple as that.

Trust me, the hardest thing I've done in my investing and trading career has been HODLing and adding to my BTC stack over the years. Seeing it go down to $16k last bear was deeply gut-wrenching and an existential threat to my retirement plans.

This BTC bear market could last months to years, but any physician currently making great money who understands BTC's use case should be stacking aggressively.

This is the first time in a while I wish I still had my EM income. Oh well.

The worst part of my situation is I have enough to live comfortably in my VHCOL for the rest of my life, but not lavishly.

I'm stuck in that "more than $1M but less than $10M" no-man's land, and without some other source of income I'll have to just sit for a decade+ while living relatively simply to get to that +$10M mark.

I played around in 2021 with crypto and made a little short-term money but exited.

2025 is first time im aggressively stacking BTC. Even have some in my kids UTMA.

I'd like to make it 10-15% of my portfolio