Retail investor: I just buy and hold index funds. Slow and steady. Me: Good. Seriously. That's the base. I do the exact same thing with $VOO and $QQQ Retail investor: Wait, you hold index funds too? Me: Of course. The only difference is I don't let them just sit there. I use them as collateral and sell puts against them for another 15% ish on top. Retail investor: So you're not replacing index investing… you're stacking on it? Me: Exactly. You're doing step one perfectly. You just stopped before step two. Retail investor: What if he market crashes with he portfolio secured put? Me: Ratios are always in check so you will be fine in 50%+ crashes. Retail investor: Why does nobody mention step two? Me: Because step two takes a few hours to understand so instead they choose to not for some reason... Please don't be like the retail investor making this huge mistake...