Retail investor: Nike
$NKE
just hit a 52 week low. That's gotta be a steal at these prices.
Me: Maybe. Let's actually check instead of guessing.
Retail investor: It's Nike. Everybody knows Nike.
Me: Brand recognition doesn't matter... Pull up the earnings. Are profits growin
Retail investor: Oil just went over $100, inflation's at 3.4%, & now they're talking about RAISING rates. I'm going to cash.
Me: Look at that chart. Point to where all of that started.
Retail investor: ...it's been building for months.
Me: Yet somehow the Nasdaq
$QQQ
is up
Retail investor: I'm holding cash until the next real crash. That's when I'll finally load up.
Me: Look at
$QQQ
's chart real fast.
See COVID 2020? INFLATION 2022? TARIFFS 2025? IRAN 2026?
Retail investor: Yeah, the dips are obvious in hindsight.
Me: Ok. Did you buy any of
Retail investor: I make $200k a year but I've got almost nothing invested. I don't know where it all goes.
Me: What's your biggest expense?
Retail investor: Mortgage probably. Maybe the cars.
Me: Nope. Taxes. By a mile. You'll pay more in taxes over your life than housing,
If this makes you nervous…
You really need to rethink your investing “strategy”
Nasdaq up 17% YTD
SP500 up 13% YTD
Nobody should be panicking & complaining.
Someone paid me $22k to agree to buy their
$GOOG
shares at $290... 2 ish years from now.
Say that out loud. It sounds fake.
& here's the part people can't wrap their heads around... there are only 3 ways this ends:
It never drops to $290? I keep the $22k. For nothing.
It
I make 25k+ a month with options & I've never once used a stop loss.
No stop losses. No alerts. No panic closing. No complicated risk management...
Here's why. All my risk management happens BEFORE the trade:
Elite company. Moat, pricing power, profits growing for years.
Below
Lots of fear spreading this weekend about the dangers of AI and what superintelligence could eventually mean.
OpenAI may delay its IPO until next year because of it. Or maybe this gives them more time to improve their growth numbers and pursue a higher valuation. Impossible to
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: People say just buy & hold, it always comes back. That's what I should do right?
Me: Look at April 2000 on that chart. Nasdaq fell over 75% soon after that...
Retail investor: Brutal. But it came back.
Me: It took 13 years... Didn't break even until 2013.
"But Brandon, you're selling all these puts... what if the market crashes & you get assigned EVERYTHING?"
Put a gun to my head & ask me how much cash I could come up with in 7 days.
Millions. Because my base portfolio IS the cash.
$VOO
,
$QQQ
, elite companies... all sellable
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Get set up here:
I haven't met a single person who got rich holding cash waiting for the crash. Not one. In 12 years.
Here's why. The crash comes. It always does. & when it comes, it feels like the end of the world. Because that's what a crash feels like.
So the cash guy doesn't buy. He waits
I realize nobody likes volatility.
Nobody likes to see red in their accounts.
Oil. Inflation. Ai. Iran. Bond yields. Ext…
This time is NOT different!
There will ALWAYS be something to worry about. Always.
So guess what…
What we are seeming now is a NORMAL & HEALTHY thing
Retail investor: I'm 60 with $250k saved. I know I'm late. What's even the point now.
Me: You planning to die at 65?
Retail investor: ...no.
Me: Then you've got 25+ years of compounding left & $250k to start it with. That's not late.
Retail investor: But I can't afford to
Retail investor: I put 80% of my portfolio into one AI stock. It's the future, why spread it out?
Me: What happens if it drops 40% next month?
Retail investor: It won't. The company's a monster.
Me: Monsters drop 40%.
$META
fell 77% in 2022 while still printing billions.
$N
Someone paid me $64,499 to agree to buy their
$META
shares at $550... 2 years from now.
Say that out loud. It sounds fake.
They handed me $64k, instantly, for a PROMISE
A promise to buy a company I already love, at a price I'd be thrilled to pay
If
$META
never drops there? I
Retired at 31 with stocks & options. Here's what I didn't have:
No inheritance.
No rich parents.
No complicated finance degree.
No flashy Wall Street job.
No lucky meme stock.
No crypto moonshot.
No 100x trade.
Here's what I did have:
A base of
$VOO
+
$QQQ
+ Elite companie