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06/03/2026

One of the biggest misconceptions in investing is that you need a lot of money to get started.

You don’t.

But you do need the right strategy for the amount of money you have.

In today’s lesson, Enzo asked a great question:

What if someone wants to become a millionaire but doesn’t have enough money for Covered Calls yet?

The answer is simple.

Don’t force a strategy you’re not financially ready for.

Covered Calls can be a powerful income strategy, but they require capital and diversification. If you’re still building your account, your job is to keep saving, keep investing, and keep compounding until you’re ready.

Too many people try to skip steps.

Wealth is usually built one step at a time.

The goal isn’t to get rich overnight.

The goal is to create a system that can make you wealthy for decades.

What advice would you give someone starting with less than $15,000?

Follow as we document the journey of turning financial literacy into generational wealth.

⚠️ Financial Disclaimer: This content is for educational and entertainment purposes only. Nothing discussed in this video should be considered financial, investment, legal, tax, or accounting advice. Always do your own research and consult with qualified professionals before making financial decisions. Investing involves risk, including the potential loss of principal.

06/02/2026

Most parents teach their kids how to spend money.

I’m trying to teach my son how to organize it.

One of the biggest mistakes people make is putting all their money in one account and wondering where it went.

So we’re building a simple system.

Account #1: Business Checking
Money comes in here first. Business expenses get paid from here. The goal is learning how deductions work and understanding that taxes are paid after legitimate business expenses.

Account #2: Personal Checking
This is his play money. Food, clothes, games, hanging out with friends. Kids should enjoy being kids.

Account #3: Fidelity Money Market (SPAXX)
This is where cash waits while earning interest before being invested. Think of it as a parking spot for money that’s waiting for its next job.

The goal isn’t to save every dollar.

The goal is to create a system where you can enjoy life today while building wealth for tomorrow.

Most people never learn how money should flow.

That’s why we’re teaching it now instead of when he’s 30.

If you’re teaching your kids about money, what’s one lesson you wish someone taught you growing up?

Follow as we document the journey of turning financial literacy into a family project.

⚠️ Financial Disclaimer: This content is for educational and entertainment purposes only. Nothing discussed in this video should be considered financial, investment, legal, tax, or accounting advice. Always do your own research and consult with qualified professionals before making financial decisions. Investing involves risk, including the potential loss of principal.

06/01/2026

Could crypto make you rich?

Maybe.

That’s the conversation I had with my son today.

We talked about how stocks are typically driven by three things: government policy, the economy, and company performance.

Then we talked about why crypto is different. Crypto isn’t a company. There are no earnings reports, revenues, or balance sheets to analyze.

I explained that throughout history, the United States has looked for ways to keep demand for the U.S. dollar strong. After World War II, much of global trade was conducted in U.S. dollars. Later, oil became largely priced and traded in U.S. dollars as well.

Now we’re watching what happens with digital assets.

Bitcoin reserves continue to grow. The GENIUS Act is creating a framework for stablecoins. And most stablecoins are pegged to the U.S. dollar, which means even in the crypto world, the dollar remains at the center of many transactions.

Does that mean crypto will make us rich?

Nobody knows.

That’s why we’re taking a slow approach. We’re buying small amounts, paying attention to the news, watching adoption, and learning as we go.

If more countries, businesses, and institutions continue adopting digital assets, it could create opportunities in the future. But we’re not betting the farm on it.

This is not financial advice. I’m simply sharing what I’m doing with my son and our family’s finances. I would never reach out to you directly, DM you financial advice, ask you to join a group, or ask you to send money to anyone.

Follow for more father-and-son money conversations.

05/29/2026

Enzo asked a great question this morning:

“Hey Dad, I heard ChatGPT and Claude might go public. Which IPO is going to make me richer?”

Before we even talk about OpenAI or Anthropic, there’s one rule we follow with every IPO:

🚨 Don’t buy it right away.

Most IPOs are driven by hype in the beginning. We want to give it at least 6 months to see if the excitement is real or if Wall Street starts finding problems. Patience beats FOMO.

Then we look at the 3 things that drive stock prices:

✅ Government policy
✅ The economy
✅ Company performance

OpenAI has some huge advantages. ChatGPT is the most recognized AI product in the world, it’s used by millions of consumers, it’s backed by Microsoft, and it currently appears to have a stronger position with government adoption and AI leadership initiatives.

The concern? OpenAI is spending enormous amounts of money on chips, infrastructure, and data centers. The big question is whether all that growth eventually turns into strong profits.

Anthropic, the company behind Claude, is a little different. It’s more focused on businesses and enterprise customers, and it’s backed by Google. While it may not have the same consumer recognition as ChatGPT, many companies are adopting Claude for business, coding, security, and productivity use cases.

My personal view?

Consumers may spend $20 per month on an AI subscription, but businesses can spend millions.

That’s why I think enterprise AI may be the bigger long-term opportunity. If businesses continue adopting Claude at scale, Anthropic could become a very powerful company over time.

But here’s the key: I don’t know which one will win.

The smartest move isn’t predicting the winner today. It’s waiting for the IPO, studying the numbers, and seeing which company can actually grow revenue and generate profits.

Investing isn’t about hype. It’s about ex*****on.

05/28/2026

Most people misunderstand covered calls because they’re using them the traditional way. Traditionally, investors buy stable large-cap stocks, collect small option premiums, and hope the shares never get called away. That strategy is built for slow and steady income.

But if the goal is aggressive growth and building wealth faster, the strategy changes completely.

The key is volatility.

Instead of focusing only on mega-cap companies, we look for mid-cap stocks with market caps above $2 billion that historically have larger price swings. Bigger swings create higher option premiums, and higher premiums create more monthly cash flow opportunities.

The second filter is implied volatility rank. We want stocks with an IV Rank between 40–80 because that tells us option premiums are elevated compared to their historical range over the last 12 months. Higher implied volatility means option buyers are willing to pay more because they believe there’s a greater chance the stock could move significantly.

That’s the entire mindset shift:
We are not chasing “safe and boring.”
We are strategically using volatility to create income.

Our two main filters:
• Mid-cap stocks with strong movement
• IV Rank between 40–80

That combination is what gives us the opportunity to target higher monthly returns through covered calls.

This is not financial advice. This is simply how we study options, volatility, and probability to create cash flow and teach the next generation about investing, discipline, and financial literacy.

Follow for more real conversations about options trading, investing, and building wealth with your family.

05/27/2026

Now that we have a strategy on how we’re gonna grow Enzo’s account, we have to decide what accounts we want to use to grow the money in.

We went with Fidelity first of all we went with a standard custodian account to do the cover call strategy.

Now that we don’t have to put any more money in there the money that he receives every year for birthday Christmas, New Year’s and other occasions we’re going to put into a 529 account and buy etf. I like 529 accounts because all the gains from the market can be used to cover for school expenses tax-free even if he doesn’t go to college any type of education he needs to further his knowledge to grow he can use that money to pay for it. Tutoring, private schools, trade school, or special classes, or equipment even Internet can be covered. And if he doesn’t use the money, he can roll it into a Roth or transfer it to someone else or if he wants to get taxed on it later on, he can get taxed on you later on the gains.

And our third account is the custodian, Roth Ira yes he has a job now making videos with me and helping out with my content. We are going to mimic the covered call strategy with his Roth so we can grow tax-free. He can pull out the gains at retirement tax-free and he can use his contribution whenever he needs to for his down payment to buy his house so that’s the strategy for Enzo. We are not giving you financial advice. I’m just sharing with you what I’m doing with my son. Hope it inspires you as well.

05/26/2026

If you don’t have a lot of money to invest, I would look into ETFs.

The problem is some of the more popular ETFs are over $600 a share, and most people, especially kids or beginners, don’t want to spend that much money just to get started.

That’s why you should look into fractional shares.

Fractional shares allow you to buy smaller amounts like:
$20
$30
$40
$50
or whatever you can afford.

You can also buy stocks this way too, not just ETFs.

So instead of needing enough money to buy one full share of companies like Apple or Nvidia, you can start with smaller amounts and still begin investing.

Not all brokerages allow fractional shares or make it easy for beginners, which is why I usually recommend looking into Fidelity if you’re younger or just starting out.

The important thing is not how much money you start with…

The important thing is starting early.

Because time in the market gives your money time to compound and grow over the years.

Small investments done consistently over long periods of time can completely change your future.

Do not let “I don’t have enough money” stop you from investing.

05/25/2026

Simple way of teaching my son how to build wealth before he turns 18.

Today we covered the 4 things every Covered Call investor needs to understand:

1️⃣ Cost Basis
What you paid for the stock.

2️⃣ Strike Price
The price you’re willing to sell the stock for.

3️⃣ Premium
The income you collect for giving someone the option to buy your shares.

4️⃣ Expiration Date
The deadline when the option contract ends.

That’s it.

Most beginners make Covered Calls sound complicated because they use fancy words.

In reality, if you understand these 4 numbers, you understand the foundation of the strategy.

Every trade we make comes back to these four components.

Before Enzo learns advanced topics like rolling positions, defending trades, and managing pullbacks, he needs to master the basics.

The goal isn’t to become a trader.

The goal is to understand how assets can generate cash flow.

Follow to learn with us as we document the journey

05/22/2026

Enzo asked this morning, “SpaceX is about to IPO in a couple weeks… should we buy the stock?”

So we went back to our two golden family rules before buying any stock.

Rule #1: We avoid certain types of investments:
• Meme stocks
• Crypto speculation
• Bio-pharmaceutical stocks
• IPOs under 6 months old

Why? Because a lot of stocks launch at all-time highs, then pull back hard and can take YEARS to recover. During that time, your money is stuck and not working for you.

Look at companies like Meta Platforms after their IPO phase. Also, look at the last 15 IPOs… many of them struggled after launch once the hype cooled down.

Rule #2: The stock market is mainly driven by 3 things:

1. Government policies
2. The economy
3. Company performance

If a company is losing money, burning cash, or struggling financially, you have to ask yourself:
“Am I investing… or am I catching a falling knife?”

Protecting your money is the #1 rule in investing.
Yes, some stocks may explode higher without you. That’s okay. Missing an opportunity is better than losing discipline.

This is how I’m teaching my son to think long-term, stay conservative, and focus on protecting capital first.

This is not financial advice. Just lessons I’m teaching my family.

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24 Executive Park Suite 230
Irvine, CA
92614

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