Wednesday, November 5, 2025

Building the Future — My Latest Ethereum Purchase

 I recently added more Ethereum (ETH) to my crypto portfolio — purchasing 0.031031 ETH at a price of $3,223.05, for a total notional of $100.02.

While the market remains volatile, my conviction in Ethereum’s long-term potential continues to strengthen. With the ongoing developments in layer-2 scaling, smart contracts, and decentralized finance (DeFi), Ethereum remains the backbone of the decentralized web.

This small, consistent buy aligns with my strategy of steady accumulation — building exposure over time rather than chasing short-term moves. Whether through staking, DeFi yields, or long-term holding, ETH continues to offer a unique blend of utility and innovation in the blockchain space.

Every buy reinforces my belief that the decentralized future is already being built — one block at a time.

Purchase Summary:

  • Date: November 4, 2025

  • Type: Market Buy

  • Amount: $100.02

  • Quantity: 0.031031 ETH

  • Price per ETH: $3,223.05


Saturday, October 25, 2025

October 2025 Dividend Income Update — Breaking New Highs!

 October 2025 turned out to be one of the strongest months yet in my dividend investing journey. The month delivered a total of $4,252, marking an impressive 40% increase from October 2024’s $3,032.

What’s even more satisfying is that this growth wasn’t fueled by luck — it’s the result of years of consistent investing, dividend reinvestments, and a few solid dividend hikes across key holdings.


📈 Dividend Growth (Same Month, 2020–2025)

YearDividends ($)
20201,353
20211,737
20222,564
20232,800
20243,032
20254,252

Dividend Growth Trend

The steady compounding effect is clearly visible. From 2020 to 2025, my October dividends alone have grown over 214%. The 2025 surge was powered by reinvested payouts and rising distributions from high-yield ETFs like the YieldMax series and core dividend players like AbbVie, Visa, and Starbucks.


💹 Year-Over-Year Dividend Changes

YoY Dividend Change

Each year brought steady momentum, but 2025 stands out as the year where dividend acceleration truly kicked in. More capital deployed in income ETFs and consistent reinvestment played a huge role here.


🎯 YTD Dividend Progress

YearYTD Dividend ($)Goal ($)% of Goal
202517,962.1422,97878.2%

Dividends by Year

With two months left, I’m closing in on my annual goal. Even if payouts hold steady, I should surpass $19,000 before year-end, putting me well within reach of the $22,978 target.


🧩 Key Takeaways

  • 💰 40% YoY growth in October dividends

  • 🔁 Reinvestments continue to compound future income

  • 📈 78% of annual goal achieved with two months to go

  • 🚀 Dividend ETFs + blue-chip dividend growers = strong combo


🗣 Final Thoughts

The beauty of dividend investing is how boring becomes powerful over time. Month by month, reinvestments and consistent contributions quietly build momentum. October reminded me why I stick to this strategy — because patience, consistency, and time always win.

Here’s to finishing the year strong and celebrating new dividend records in November and December!

Sunday, October 19, 2025

Portfolio Recap: Dividends, Options, and Crypto Growth in Motion

 


October 17 turned into a textbook example of how multiple income engines can work together seamlessly — dividends compounding, options rolling for credit, and crypto positions quietly growing through consistent DCA buys.

This post breaks down the day’s activity across five categories: dividends, options, expirations, crypto, and equity buys — with supporting visuals for each phase of your portfolio’s cashflow cycle.


🟩 1. Dividend Power — YieldMax Keeps Delivering

The YieldMax series ETFs continue to anchor your Roth IRA income stream, combining option income strategies with weekly dividend distributions.

ETFDividend per ShareTotal PayoutShares HeldAction
🧠 YieldMax PLTR Option Income ETF$0.7407$12.2816.5849Reinvested
💸 YieldMax HOOD Option Income ETF$5.95$158.5026.6514Reinvested

Total Dividends: 🟩 $170.78

All dividends were reinvested, reinforcing the compounding effect within your Roth IRA — income that generates more income.

📊 Chart 1: Daily Cashflow Breakdown

Chart 1: Cashflow allocation showing the balance between incoming income (dividends, option premiums) and reinvestment deployments.


⚙️ 2. Options Income Machine – Four Rolls, $944 Collected

A smooth sequence of short put rolls generated $944 in new premium, effectively extending your income curve while staying in control of each trade’s risk zone.

SymbolClosed PositionNew PositionCreditStatus
BMNR$50 Put (10/17) → $49 Put (10/24)+$190✅ Filled
BMNU$25 Put (10/17) → $20 Put (11/21)+$198✅ Filled
BMNU$22 Put (10/17) → $17 Put (11/21)+$210✅ Filled
QUBX$19 Put (10/17) → $18 Put (11/21)+$346✅ Filled

💵 Total Option Premiums: $944.00

By proactively managing rolls before expiry, you locked in new credits and avoided assignment exposure. This keeps theta working in your favor while preserving future income opportunities.

📈 Chart 2: Dividends vs. Option Premiums Collected

Chart 2: Comparison of dividends and option income on October 17 — showing the dominant contribution from short put rolls.


🔚 3. Expirations Recap – Profits and New Entries

A set of six option contracts expired worthless — full profit captured without additional management:

Expired Worthless (100% Profit):

  • ATYR $12 Call

  • QUBX $21 Call

  • SMCX $40 Put

  • ASTX $23 Put

  • APLX $45 Put

  • CRCL $210 Call

📉 Assignments:

  • BITF $3.5 Call – Assigned; sold shares for $349.98 credit

  • CHYM $20 Put – Assigned; purchased 100 shares for $2,000.00

💬 While CHYM reduced short-term liquidity, it added a potential long-term value position. The BITF call assignment provided realized profit on stock previously held.


🪙 4. Crypto Accumulation — The DCA Engine Keeps Spinning

Three steady buys in the early morning hours reaffirmed your disciplined crypto accumulation strategy:

AssetAmountUnits PurchasedPrice
Bitcoin (BTC)$50.000.00047233$105,849.55
Ξ Ethereum (ETH)$50.010.013264$3,769.83
Solana (SOL)$50.000.27702$180.49

These purchases strengthen the digital portion of your portfolio while spreading entries across multiple market cycles.


💼 5. Stock Purchase — Adding Klarna (KLAR)

  • 2 shares of Klarna Group (KLAR) purchased at $37.56/share → Total investment: $75.12

This small but strategic buy adds exposure to fintech innovation, complementing your broader technology and options-based holdings.


🔢 6. Summary Snapshot – Daily Cashflow Overview

CategoryCashflowNotes
💰 Dividends+$170.78YieldMax PLTR + HOOD ETFs
⚙️ Option Premiums+$944.00Four short put rolls
📉 Assignments–$1,650.02CHYM + BITF combined impact
🪙 Crypto Buys–$150.01BTC, ETH, SOL
💼 Stock Buys–$75.12Klarna Group
Net (Day)–$760.37Strategic redeployment of capital

🔁 7. The Portfolio Flow Cycle

This visual captures your current investment rhythm —
income arrives, gets reinvested, rolled forward, and rebuilt into future yield:

🔁 Chart 3: The Flow of Compounding Income

Chart 3: Simplified view of your system — “Income → Reinvest → Roll → Rebuild” — representing compounding efficiency.


🔍 8. Takeaway

“October 17, 2025 showcased an income ecosystem in motion. Dividends flowed in, options delivered new premium, crypto positions grew through steady DCA, and capital was redeployed efficiently. Even with a $2,000 assignment, the net activity strengthens long-term cashflow momentum.”

The beauty of this approach lies in balance — every action feeds another:

  • Dividends fund reinvestments.

  • Options generate income while maintaining liquidity.

  • Crypto adds asymmetric upside.

Each day compounds your progress toward long-term financial independence.


🧠 Next Steps

  • Track YieldMax November dividends (expected mid-month).

  • Monitor BMNU and QUBX November puts for roll opportunities.

  • Add Klarna’s performance to the next fintech mini-tracker.

Saturday, October 18, 2025

💰 October 17, 2025 – Options Income Recap

 

October 17, 2025, marked another productive trading session, with multiple options positions generating consistent income flow across covered calls, cash-secured puts, and roll strategies. This day reflected the balance between premium collection, capital recycling, and portfolio efficiency — all key themes in the income generation strategy for Q4 2025.


🧩 Income Composition

💵 Total Premiums Collected: $1,422

The day’s total income came primarily from three strategic categories:

  1. Covered Calls (38%) – Steady profits from positions like VZ, HOOD, and NVDA. These trades capture time decay while protecting downside risk.

  2. Cash-Secured Puts (47%) – The largest contributor, with notable premiums from SMCI and SOUN, both structured at attractive breakevens.

  3. Roll Income (15%) – Smart management of previous week’s expiring contracts — converting short-term losses into extended opportunity and additional credit.


🥧 Chart 1: Daily Cashflow Breakdown

Interpretation:
The pie chart shows a healthy distribution — with nearly half of income sourced from puts, indicating strong conviction in underlying stocks and high implied volatility capture.

Key Insight:
Balancing puts and calls creates a consistent premium stream even during market rotations.


📈 Chart 2: Income by Category

Breakdown:

CategoryPremium Collected% of Total
Cash-Secured Puts$67047%
Covered Calls$54038%
Rolls/Adjustments$21215%

Observation:
This blend mirrors an “income triangle” — premium generation (puts), asset defense (calls), and income compounding (rolls).


🔁 Chart 3: Income Flow Diagram

Flow Summary:

  • Inputs: Strategic options setup and roll execution

  • Outputs: Realized income and reinvestment potential

  • Feedback Loop: Profits reinvested into dividend-growth holdings and high-yield ETFs for compounding

This closed-loop design emphasizes self-sustaining income generation, aligning with the broader dividend + options hybrid strategy.


📊 Strategic Highlights

  • Volatility Utilization: High IV in select names like SOUN and SMCI was leveraged for elevated put premiums without excessive capital risk.

  • Capital Efficiency: Rolls generated extra income while maintaining position flexibility — crucial in sideways markets.

  • Risk-Reward Optimization: Covered calls provided downside cushioning while preserving upside through rolling tactics.


🔮 Outlook

With October’s midpoint behind us, the rolling income total continues trending toward monthly targets. Expect further gains from:

  • Renewed SMCI and SOUN volatility plays

  • NVDA and HOOD call management

  • Weekly Pay ETF dividends adding steady tailwinds

The consistency of daily option income, combined with reinvested dividends, is shaping a strong finish to 2025 — pushing closer toward your year-end income and compounding goal.


🏁 Closing Thoughts

This October 17 recap reinforces the power of systematic trading — not chasing trades, but building repeatable cashflow engines. The blend of disciplined execution, tactical adjustments, and data-backed reinvestment defines the roadmap to sustainable financial independence.

Tuesday, September 23, 2025

Rolling Options: UNH & RDDT Short Calls (Sep 23, 2025)

 oday I executed a series of short call rolls on UnitedHealth Group (UNH) and Reddit Inc. (RDDT). These adjustments extended expirations, lifted strikes, and most importantly — generated fresh premium income while giving my shares more room to run.




🏥 UNH Roll (Defensive Play)

  • Closed: UNH $370C (Feb 20, 2026) @ $28.30

  • Opened: UNH $380C (Apr 17, 2026) @ $29.43

  • Net Credit: +$113

This roll added two months of time, raised the strike from $370 → $380, and collected extra premium. The higher strike means I keep an extra $1,000 upside if shares are called away later.


📈 Takeaway: Defensive and income-focused. A balance of cash now plus higher upside later.


📢 RDDT Rolls (Aggressive Tech Growth Play)

Roll 1

  • Closed: RDDT $250C (Sep 18, 2026) @ $70.93

  • Opened: RDDT $260C (Jan 15, 2027) @ $74.93

  • Credit: +$400

Roll 2

  • Closed: RDDT $210C (Sep 18, 2026) @ $88.40

  • Opened: RDDT $220C (Jan 15, 2027) @ $91.10

  • Credit: +$270

Roll 3

  • Closed: RDDT $200C (Sep 18, 2026) @ $93.95

  • Opened: RDDT $210C (Jan 15, 2027) @ $95.95

  • Credit: +$200

📊 Total RDDT Credits: $870

Each roll extended expiration by ~4 months, lifted the strike +$10, and generated immediate cash flow. That means $3,000 in added potential upside if RDDT rallies and contracts get assigned at higher strikes.


📈 Takeaway: Aggressive time extension, strong credit capture, and more strike flexibility.


💰 Net Effect of Today’s Rolls

1. Immediate Cash Flow

  • UNH Credit: $113

  • RDDT Credits: $870

  • Total Premium Collected Today = $983

2. Additional Assignment Upside

  • UNH (strike +$10): +$1,000 potential

  • RDDT (3x strike +$10): +$3,000 potential

  • Total Added Upside = $4,000


⚖️ Final Tally

  • Locked-in profit today: $983 (guaranteed premium)

  • Potential extra profit later: $4,000 (if shares are called away at new strikes)

  • Overall Improvement: $4,983


🔎 Final Thoughts

These rolls highlight the power of active options management:

  • You lock in cash immediately with net credits.

  • You give your positions more time to play out.

  • You raise strikes, allowing for higher exit profits if assignment comes.

For UNH, this was a defensive adjustment. For RDDT, it was an aggressive premium grab. Together, they boosted income and unlocked nearly $5,000 in combined benefit.

Rolling isn’t just about avoiding assignment — it’s about stacking credits while keeping upside alive.

Saturday, September 13, 2025

ATYR: A Risky Bet with Juicy Premiums Ahead of Phase 3 Results

 On September 12, 2025, I made an aggressive move into aTyr Pharma (ATYR) — not just by buying stock, but also by layering on an income-focused options strategy. The timing wasn’t random: ATYR has Phase 3 trial results due this week, and implied volatility made premiums especially juicy.

This is a high-risk, high-reward play. Here’s how the trade is structured, what the payoff looks like, and why the setup is both attractive and dangerous.


📊 Stock Purchases

  • 600 shares accumulated at $6.08–$6.43

  • Total invested: $3,716.65

  • Average cost basis (before options): $6.19/share




💰 Options Sold (Premium Collected)

I sold both calls and a put to collect upfront income:

  • 10/17/25 Calls: $12, $8, and $7 strikes

  • 9/19/25 Calls: two at $12 strike

  • 9/19/25 Put: $6 strike

➡️ Total premium collected: $1,491.70

This slashes my net outlay to $2,224.95, bringing the effective share cost down to $3.71.


⚖️ Risk/Reward Snapshot

  • Breakeven: $2.90/share

  • Downside: If ATYR → $0, I’d lose around –$1,300, not the full $3,700, thanks to premiums.

  • Upside cap: Gains top out around $6,200–$6,400 once ATYR exceeds $12.

  • Sweet spot: A share price between $7–$12 yields the best blend of option premium + stock appreciation.

  • Put risk: If ATYR falls below $6 on 9/19, I could be assigned an extra 100 shares at $6, lowering my basis but increasing exposure.


📈 Payoff Diagrams

1. Overall Payoff



  • Upside capped above $12/share

  • Breakeven at ~$2.90/share

  • Limited downside vs. pure stock

2. Expiration Cycle View


  •  After 9/19 Expiry (dashed orange)

    • Includes your 9/19 $12 calls and $6 put.

    • If stock < $6, you risk assignment of +100 more shares @ $6, lowering basis but adding exposure.

    • If stock > $12, those short calls cap gains, but you still keep the $259 put premium.

    • Range of outcomes: from ~–$2,000 (if ATYR crashes) up to ~$8,800 (if ATYR rallies hard but you cap gains above $12).

    🔵 After 10/17 Expiry (solid blue)

    • 9/19 contracts drop off, leaving only $7, $8, and $12 calls open.

    • Upside capped around $7,400 once ATYR > $12.

    • Downside risk smaller than 9/19 since the short put is gone.


    📌 In short:

    • Near-term (9/19): More risk from the $6 put but also more premium buffer.

    • Longer-term (10/17): Cleaner covered-call setup; stock upside is capped, but downside risk is limited to your net stock cost basis.


🔎 Why This Trade?

The catalyst: Phase 3 trial results.

Such events can swing biotech stocks violently in either direction. That volatility translated into elevated option premiums, giving me the chance to:

  • Collect nearly $1,500 upfront

  • Reduce cost basis by 40%

  • Hedge downside risk (at least partially)

But the same volatility means I’m exposed:

  • A negative Phase 3 outcome could sink ATYR below $3, handing me a loss.

  • A positive surprise could send shares soaring past $12, where my upside is capped.


🎯 Conclusion

This ATYR trade is not for the faint of heart. It’s a risky bet that swaps unlimited upside for immediate cash flow and a cushioned entry price.

  • If ATYR stays in the $7–$12 range post-results, this setup looks brilliant.

  • If the trial fails, my losses are controlled but real.

  • If ATYR skyrockets, I’ll be forced to watch from the sidelines after my shares get called away.

That’s the trade-off of selling options into biotech catalysts: juicy premiums, but capped dreams.

Friday, September 5, 2025

August 2025 Dividend Income Report

 August is in the books, and it was another record-setting month for dividend growth. Let’s break down the numbers, highlight the year-over-year changes, and see where things stand against the 2025 annual goal.


💵 August 2025 Results

  • August 2025 Dividends: $1,170.48

  • August 2024 Dividends: $810.91

  • YoY Growth: +$359.57 (+44.3%)

That’s a huge leap forward — driven largely by new income sources through option-income ETFs (YieldMax series), which are now contributing a steady stream of cashflow.


🆕 New Contributors in 2025

Compared to last year, August’s income includes payouts from new additions:

  • PLTY (YieldMax PLTR ETF): $79.60

  • TSLW (YieldMax TSLA ETF): $56.97

  • ULTY (YieldMax ULTA ETF): $41.88

  • HOOY, HOOW, AVGW, NVDW: combined $207.77

These seven newcomers have already added $385.22 to YTD dividends.


🚪 Closed/Sold-Off Positions

Two stocks that contributed last year (WRK, HRL) paid $0 in 2025 — trimming about $36.36 in income.

This pruning hasn’t slowed progress, since new ETF income has more than offset the drop.


📈 YTD Progress (Jan–Aug 2025)

  • 2025 YTD Dividends: $12,349.18

  • 2024 YTD Dividends (same period): $10,733.35

  • YoY Growth (Jan–Aug): +15%

✅ You’re ahead of last year’s pace, but still pacing below the 2025 goal.


🎯 2025 Goal Tracking

  • Annual Goal: $22,978

  • Collected so far: $12,349.18

  • Progress: 53.8% of goal



At the current run rate (~$1,543/month), the year-end projection is around $18,500–$20,500, which is ~80–89% of the goal.


🔎 Key Observations

  • Quarterly Powerhouses: March ($3,633) and June ($3,704) show that Q3 (September) and Q4 (December) could deliver another strong surge.

  • ETF Boost: YieldMax option-income ETFs are reshaping the income landscape, adding nearly $400 YTD.

  • Legacy Growth: Dividend aristocrats like ABBV, BMY, CAT, and DE continue to quietly grow year after year.

  • Telecom Drag: VZ continues to shrink its dividend contribution, weighing on overall growth.


🚀 Closing Thoughts

August was a milestone month — +44% YoY growth is massive. The portfolio is transitioning: away from slow-moving legacy telecoms and toward innovative option-income ETFs that deliver immediate cashflow.

While hitting the $22,978 goal will be tough, the income engine is clearly accelerating. With strong payouts expected in September and December, 2025 is on track to finish in the $19k–$20k range, which would be another record year.

Building the Future — My Latest Ethereum Purchase

 I recently added more Ethereum (ETH) to my crypto portfolio — purchasing 0.031031 ETH at a price of $3,223.05 , for a total notional of $1...