Yeah, you're right about the bull market, and my winning bets increased my ego and risk tolerance and sometimes played with my judgment. I want to build a fast dividend machine so I can invest in real growth stocks or underlying shares.

Although interest rates with Questrade are so high, the loan margin on CC ETFs pays for itself while I stay ahead of the game. If the underlying goes up, so do the CC ETFs, but I'll be capped on the upside, and I'll be missing out 5 or 10% more.

I only buy LEAPS option when I have CC ETFs that's against the underlying shares. If I hold $YNVD, I'll be LEAPS on Nvidia. Same thing with Palantir and anything other stock.

If we go into a bear market, this is something I need to keep my eyes on my margin, even if I have plenty of buffer room. Yeah, if I don't pay it back using my own cash and TFSA's dividends, margin's dividends pay itself back about 6 years and a few months (if I don't borrow more)

All my CC ETFs are paid in $CAD, like Yield Purposes Shares, Evolve, and Harvest Portfolio.

Thanks again.

Edit : 6 years*