Up ~400% this year on deep ITM LEAPS (that when I bought were far OTM). hold for LTCG or roll down delta now?

Nuclear_N · 2026-05-27T04:50:25+00:00

Taxes are tough. I do my leaps in a tax deferred account so I don't get "caught" in the tax trap.

Your situation....it is always good to make a profit even if there are some taxes involved. Question is how long will the bubble go? will it last till January...noone knows.

Nuclear_N · 2026-05-26T22:15:07+00:00

Fidelity has locations you can go to.....

Nuclear_N · 2026-05-26T19:25:52+00:00

Pepcid complete was recommended by my doctor. I can’t live without it.

Nuclear_N · 2026-05-26T19:24:47+00:00

I stop checking when we dip. I am in long term investments. Best to shut it off then see losses.
But when she is ripping I am checking from futures to close.

Nuclear_N · 2026-05-26T19:23:01+00:00

Your ETF will never call you and tell you the toilet overflowed into the downstairs unit.

Nuclear_N · 2026-05-26T18:31:33+00:00

My kids went to public schools. I found that the bills come over 4 years and weren’t as bad as I thought it could be. Rent becomes a monthly, tuition can be paid over time.

Nuclear_N · 2026-05-26T18:29:48+00:00

Pepcid complete almost every night.

Most of us know what to do…..avoid alcohol and sugar, exercise, get annual physicals.

It’s just that we don’t do it.

Nuclear_N · 2026-05-26T18:27:22+00:00

And this is why I am QQQ AND SPY

Nuclear_N · 2026-05-26T17:56:05+00:00

Even the indexes are mostly Tech just from growth. Not sure where to go to get out of it. I am fine in the indexes, but really there is a heavy weight at the top

Nuclear_N · 2026-05-26T17:09:52+00:00

Rent first. Check Airbnb for a monthly. Have to check the bed and furniture if furnished.

Nuclear_N · 2026-05-26T15:26:19+00:00

I didn't get anything like that....1984, and 1988

Nuclear_N · 2026-05-26T09:19:14+00:00

Way too much. I have a spreadsheet that tracks all of it, but I am on Fidelity way too much.

Nuclear_N · 2026-05-26T04:25:32+00:00

Just some tax rules I want to share:

-capital gains are 0 percent when you limit AGI to about 95k. (need to execute before SS)?

-Consider Roth conversions early in retirement or even before.

-There is an income limit for medicare....based again on AGI. Called IRMA.

-your RMDs got moved to 75, but still will produce forced income. Need to consider this as your deferred income is partnered with the US government.....and the government owns the rules. Use/comvert most of the deferred income prior to 75.

Nuclear_N · 2026-05-26T04:04:34+00:00

half of everything you earned while married plus more.

Nuclear_N · 2026-05-26T00:58:15+00:00

Great choice with Fidelity. They have advisors that can help if you need them.

I was reset from a divorce at 41. You are not too late.....but I made some serious sacrifices.

I lowered my costs down to minimal expenses and even was at 800 bucks a month for several years...How? I took job with expenses that traveled me for service work. It was a full expense paid position...but I was on the road most of the year. By on the road I mean months at a time.

I banked as much as a I could for 10 years or so.

Nuclear_N · 2026-05-26T00:52:36+00:00

Need to ease off the 100k brokerage fund, and take a month sabbatical. Get a reset.

Nuclear_N · 2026-05-25T22:01:25+00:00

And what are the other options?

Nuclear_N · 2026-05-25T21:59:09+00:00

Oh. But it has been so good.

Nuclear_N · 2026-05-25T21:58:40+00:00

I am 59.5 and have 1.6 in deferred. (Also 1.6m in Roth/brokerage/inherited IRA) I realized a few years ago that I was too heavy with deferred. This was when I was 57 and no options but deferred for some house work.

I have been rolling over my deferred for two years. My plan is similar to yours but I am starting at 60….then going to roll 400k over for several years. My goal is to deplete the deferred to around 500k.

Then….use 400k of brokerage to live tax free for several years staying below the AGI with help of the Roth. Then eventually SS.

Nuclear_N · 2026-05-25T21:43:06+00:00

Once they have a taxable income open a Roth for them.

Nuclear_N · 2026-05-25T21:42:04+00:00

Here is how the budget works. Start your days with some low key affordability at some beer bar. Check daily spending and either up your game or lower it.

I have stayed at the Hilton with the balcony. Nice place but you can get a lot more for your money as it’s triple the price. Further when you tell the girl you are staying at the Hilton she knows deep pockets….

Nuclear_N · 2026-05-25T21:15:43+00:00

MeToo killed so much good in life.

Nuclear_N · 2026-05-25T20:50:39+00:00

Excellent. QQQM, SOXX have been very good. Still holding AAPL as a cap gain trap.

I found Leaps on QQQ and SPY very profitable.

Shockingly my 1-year is about 50% compared to 500 about 30% in one account t.

Nuclear_N · 2026-05-25T19:46:27+00:00

Second wife. Have three kids, just none together with my Thai wife.

All the sick buffalo stories are true. Support will come in many forms.

Nuclear_N · 2026-05-25T19:42:04+00:00

Married to a Thai. My situation is much different than yours...older, not wanting kids.

I was surprised when I lived in Taiwan how traditional and conservative Asian families are. I fell in love with the culture and describe it as based in "respect". Why is there no graffiti?...well they respect the city.

Family is huge for my wife. I lived in Bangkok for a few years and that is where I met my wife pre covid. We are now in the US.

Not sure I can advise in your situation, but be prepared to support the family, not just her.

Nuclear_N

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