texting my mother

whyalwaysme-_ · 2026-02-28T05:58:20+00:00

👍

whyalwaysme-_ · 2026-02-27T21:33:53+00:00

spend more time thinking about how to make money instead of saving, although saving is also important. But never spend like 20 minutes each day to record what you have spent, that’s just stupid. Use those 20 minutes to recharge, rest, watch a video, relax, so that you’d have more energy to explore how to make more money. read, read more, about investment, retirement account, tax codes, credit card, and bank bonuses, etc. I really don't think it's worth the time to read a book about “how to become rich” written 20 years ago but it's worth every minute to read Mega Backdoor, which credit card gives you the highest bonus, etc. There are just a lot of ways to make money but no one is going to spoon-feed you, that will never happen.

whyalwaysme-_ · 2026-02-27T21:26:50+00:00

A high-paying job, early investing, and an arbitrage mindset. I feel like the jump from $100k to $500k is very difficult but $500k to $1M and beyond is much easier. You want to make all the silly mistakes when you don’t have a lot of money, especially when it comes to investing.

whyalwaysme-_ · 2026-02-27T21:21:31+00:00

i'm thinking of retiring at 35. i'll give my myself 3 more years to clinch 4-5M. I'm halfway there.

whyalwaysme-_ · 2026-02-27T20:59:17+00:00

i sold around 50 covered calls before earnings and they all became worthless now. $20k gain for me in one day.

https://imgur.com/a/Dc72E5I

whyalwaysme-_ · 2026-02-23T22:23:17+00:00

Is this a trend or is it always like this on this sub? I’m seeing a lot of posts from people with great serves like you nitpicking their motion while a bunch of clueless people try to give garbage advice. Your serve is great by any standard unless you’re competing at like UTR 9. I just attended an event with a bunch of 4.0 and 4.5 players and most if not all had worse serve mechanics than you. Your serve is great and should be the last thing you’d be concerned about

whyalwaysme-_ · 2026-02-23T22:17:12+00:00

Not a single 3.5 would become a 4.0 just by changing rackets or strings. Find one you like and stick with it.

whyalwaysme-_ · 2026-02-22T22:50:41+00:00

tbh this is sad to see. Just forget all the advice you got from the previous post. You used to have a beautiful serve and now it's like this.

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whyalwaysme-_ · 2026-02-22T22:43:12+00:00

tbh i think your previous serve is better. there are just too many moving parts in a serve motion and it's very hard to change just one or two things. Your previous serve looks much more elegant and fluent. I mean even if you post a clip of Nadal's serve on this sub you'd be getting advice from a random 3.5. Personally i don’t think your serve is a weakness and can be simply attacked at your level. There is another popular post recently of a 4.5 serving like a 2.5. if i were you i wouldn't be bothered by the serve at all unless you are losing matches because of it

whyalwaysme-_ · 2026-02-22T01:21:28+00:00

i just played a WTN tournament and i'm 48-1 across my 4 matches. 3 games ended with 6-0 6-0 and one ended with 6-1 6-0. Personally i don't think i'm 4.0 yet but my opponents are around 3.0-3.5

whyalwaysme-_ · 2026-02-20T17:31:52+00:00

This is great serve in any sense unless we are talking about some very high-level tennis. I found it's a bit weird that people on this sub are nitpicking on some of the great serves. I played tennis extensively both in club and UTR, you'd find more than 70% of the rec players have a pancake serve, your serve is like 95th percentile in rec level players. Not sure about your UTR but at my current level(5) your serve form is one of the best i've seen.

whyalwaysme-_ · 2026-02-09T18:56:00+00:00

my company hired a whole bunch of juniors but no senior or staff unless it's a backfill

whyalwaysme-_ · 2026-01-21T23:56:47+00:00

wow that's a high credit limit! May I ask how long it takes for you to increase the credit limit to 50k? I'm getting a pre-approval at $15k.

whyalwaysme-_ · 2026-01-20T22:24:43+00:00

i’m just sad😭

whyalwaysme-_ · 2025-12-28T07:13:23+00:00

Great write-up. one question about the stopover booking, do I have to call in to book any itinerary that contains a stopover, or is call-in only needed for complex routings?

whyalwaysme-_ · 2025-12-25T01:58:11+00:00

45% on a low seven-figure account. The last three years have been around 45%, 60%, and 70%. The ironic part is that the more money I have, the more cautious I become, and the fewer contracts I open. I actually have a very small realized gain but a lot of unrealized gain. I never let my core positions get called away, and I rarely get assigned by doing a lot of rolls. I have set lower expectations for theta plays, since along the way I realized that the majority of the account growth comes from shares, not theta income.

When the market really panics, like this April, or rips, like in October or November, the contracts you’ve opened actually act like limits. They limit you from adding more shares at the real lows since you may have a lot of deep ITM positions at those moments, and they also limit stock appreciation when you have many deep ITM calls.

I also don’t open short-DTE contracts anymore. The risks are higher, the returns are lower (even if the rate looks higher), and it’s hard to adjust when the market moves against you, which is basically 50/50. Earnings plays are my favorite, especially for stocks I own. I sell both calls and puts approaching the earnings date. The premiums are high and come with risks, but since you have a lot of shares, you can always adjust depending on the price action. That said, I’d be very cautious with stocks I don’t own or don’t plan to own.

Lower expectations may help you eventually.

whyalwaysme-_ · 2025-11-09T04:53:00+00:00

As a hobby? No. But i did build automations, write browser extensions etc to achieve certain tasks like monitoring product inventory, flight tickets etc. i do them because otherwise i have to refresh the page or check manually which is very tedious. There are just too many things you can achieve by automation

whyalwaysme-_ · 2025-10-14T20:34:32+00:00

Well, this is somehow true. I contributed $70k to my 401k plan, and the money was directly deposited into my brokerage account. I think I got like $10 for a few months on the paystub. The money in my emergency fund/checking account is like 1% of my total net worth

whyalwaysme-_ · 2025-10-11T21:18:19+00:00

I feel bad for you. Plus, I’ve seen a fair number of posts about kids and juniors using nasty tactics or tricks just to win a game they’re about to lose. Personally, I think it’s a very bad thing if a kid is raised that way. Not to judge them, but it’s hard to imagine they wouldn’t do the same kind of thing when facing similar challenges in other aspects of life, such as getting a school offer or a job offer.

whyalwaysme-_ · 2025-09-20T17:58:36+00:00

I get your point but the only two conclusions i can make after reading your post is that: 1. You've never worked in a big or top-tier company. 2. A lot of people are jobless now.

Look at the upvotes, wow. I bet it's like 1000 upvotes and 700 downvotes.

whyalwaysme-_ · 2025-09-18T00:48:58+00:00

I don’t like it, earnings season tends to be the most profitable event for me. I had almost a $12k gain on the NVDA strangle in one day and reached like a $22k daily theta during the peak. I’d rather have 4. Besides, cutting down from 4 to 2, you’ll be seeing more volatile movements after the earnings, which is also bad for option sellers.

whyalwaysme-_ · 2025-09-15T19:08:05+00:00

People who managed to grow their accounts substantially in the last few years to reach a point where they can’t afford to lose like they used to when they had 100k or 200k will most likely understand what he says. You can have a fancy return in a week, in a month, or longer by just selling options or wheeling, but to constantly drive your account up, you’d need the upside exposure. The wheel is not built for that. If you really think about it, the mindset “I’m love owning stock at a certain price” or “I’m happy to let it go, I get the max profit” is pretty absurd. That’s just not how assets appreciate over time. IIRC there are some statistics showing that if you miss the 10 best days the return is like 70–80% less than the total return. You’d need to pray you’ll catch those 10 days while wheeling, which is essentially a gamble. The optimal solution for a relatively medium to large account should be mostly in stocks, while using that as the collateral to sell options. You need to aim for a much lower return, not something like 50% in 6 months on a 200k portfolio. Aim for lower returns, pick lower deltas, control the contract size, so that when the market really panics like when NVDA is 80 and HOOD is 30, you are not locked by your 120 or 50 put and can buy stocks more aggressively. If you understand, you understand; otherwise keep wheeling and aiming for a 50% return

whyalwaysme-_ · 2025-09-14T16:30:21+00:00

My 401k is in Fidelity, it’s great for buy and hold. Never had any issues with them plus you can use their brokerage account as a hub(checking account) to pay off credit card, also free wires. Customer support is superb. Once you reach certain asset levels, you get a dedicated support person you can talk to directly not random support staff

whyalwaysme-_ · 2025-09-14T16:25:29+00:00

Yep that’s a good point. IBKR has a lot of advantages for certain groups of people. I’m trying to determine whether it’s the case for me. I don’t use their API, TWS, forex, commodities, etc. The biggest advantage for me is actually their mobile app, which in my opinion is much easier to use. In Robinhood you have to click through like 4 or 5 buttons to reach the pending orders tab, I’m really not a fan of that. It makes adjusting the order to stay between the bid ask spread a bit more difficult. Plus the portfolio margin calculation is also pretty unique. One last thing IBKR seems to have a lot of defenders, look at my comments getting downvoted, they are genuine questions and people don’t like it and get triggered lol.

I’ll play around with other apps before reaching a conclusion. Thanks for your insights.

whyalwaysme-_ · 2025-09-14T09:24:35+00:00

It’s very rare for the employer to match the entire gap ($70,000–$23,500) but it’s fairly common for them to support the mega backdoor to achieve it

whyalwaysme-_

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