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Loan Officer | NMLS 312740 | DRE 1826853
West Capital Lending

NMLS 1566096 | DRE 02022356
Equal Housing Lender

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.

05/21/2026

Before you do any strategy to make money, you need to understand the three tax buckets, tax now tax later tax never. Tax now is earned income W-2 people get tax the worst than day traders who gets taxed the least self-employed and real estate investors because they have write-offs. Tax later is capital gains and pre-tax retirement 401(k). The government wants to attack you once you have an abundant that’s how they make their money and then there’s tax never which is your life insurance payout and your post tax retirement Roth Ira every kid have one. So now we know the tax code with covered calls we’re gonna get tax but the goals for Enzo to live at home for a long time and then take his premium and max out his Roth IRA every year, so that money is not taxed when he retires also by asset growth stocks that will never sell, and then in the future when he needs money, he can borrow against it since he’s borrowing against it. It’s not a taxable event so there’s no capital gains and he’s gonna get a life insurance policy and when he passes away, the insurance policy will pay off the loan tax-free and that’s a strategy we’re gonna use with our cover calls so make sure you understand the three tax bucket, no matter what type of income you have coming in. If you wanna learn more about cover calls, I teach every Saturday 9 AM Pacific standard time the link to my bio. This is just for educational purposes I’m not giving tax or financial advice.

05/20/2026

Everybody wants to learn covered calls because they hear “passive income” or “cash flow,” but before any of that… you have to understand risk management first.

Enzo and I were talking about this today.

I asked him:
“Why is risk management important?”

His answer:
“So you don’t go over the cliff.”

That’s honestly one of the simplest and best answers.

Because if you put ALL your money into one stock and something bad happens to that company… now your whole portfolio is hurting.

That’s why diversification matters.

Not just multiple stocks…
Multiple sectors too.

Because if one stock struggles, another one may still be doing well.

Then we broke down the math.

If you have $20,000 and the average mid-cap stock costs around $30 per share, and you need 100 shares to run a covered call…

That position costs about $3,000.

So instead of putting all $20,000 into one trade, you could spread it across about 6–7 different positions.

That’s risk management.

Not chasing hype.
Not gambling.
Not trying to get rich overnight.

Just learning how to protect yourself first.

Because before you learn how to make money…
you need to learn how to survive long enough to keep investing.

If you want to learn the foundations of covered calls with us, I do a FREE foundational covered call course every Saturday at 9:00 AM Pacific Time.

The link is in my bio.

05/19/2026

Most people were never taught how interest really works… and that’s why so many stay broke.

Before becoming a millionaire at 18, Enzo learned one simple concept:
There are only 2 sides to money — borrowing money or receiving money.

When it comes to borrowing money:
• Don’t borrow money you can’t pay back
• Protect your credit so you pay lower interest
• Only borrow money to make more money

When it comes to receiving money:
• Invest as much as you can consistently
• Make sure your money outpaces inflation
• Let compound interest do the heavy lifting

The Rule of 72 changes everything:
Take 72 divided by your rate of return and that tells you how long it takes your money to double.

6% return = 12 years to double
12% return = 6 years to double
72% return = about 1 year to double

Most people underestimate how powerful compounding becomes over time. The goal isn’t just working for money forever… it’s learning how to make your money work for you.

That’s one reason why we teach covered calls — creating cash flow while understanding how capital can compound faster over time.

Check out my FREE Foundations Covered Call Course every Saturday at 9:00 AM Pacific Standard Time. The link is in my bio.

05/18/2026

Before we ever buy a stock for a covered call strategy, the first thing we use is a stock screener.

A stock screener is basically like a metal detector for stocks. Instead of wasting hours searching through thousands of companies, it helps us filter through the market and find stocks that fit our strategy faster.

These are the 4 filters we use:

1. Mid-cap stocks
We look for companies between roughly $2 billion and $10 billion market cap because that’s the range we like to focus on.

2. Premium potential
We look for stocks that have the potential to generate strong monthly premium income.

3. Expiration dates
We focus on contracts between 21 to 36 days because we want to consistently “rent out” the stock every month through covered calls.

4. Put-to-call ratio
We want a healthy ratio between 0.2 and 0.7. If the ratio gets too high, there may be too much selling pressure, which increases the chance of losing the shares.

The goal is to create a repeatable system so the right stocks find us instead of emotionally chasing random plays online.

Educational purposes only. Not financial advice.

If you’d like to learn what I’m teaching my son about covered calls and foundational financial education, I teach a live class every Saturday at 9:00 AM PST.

Address

24 Executive Park Suite 230
Irvine, CA
92614

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+19497871188

Website

https://westcapitallending.com/texas-complaint, https://westcapitallending.com/licensing, ht

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