Where more call income is worth it

Every holding in all four accounts, built 30 Oct 2026. Realized income: Coverage INSIGHTS (90 days, each fortress against its own design). Premiums: CBOE delayed quotes in today's session (2026-10-30 13:56 UTC), two-week calls priced at the bid (a quarter into the spread when it is wide) and kept at 75%, your tape's rate for calls written 10%+ out. Crypto give-up: this year's Yahoo closes. Read-only: nothing here places an order.

In plain words

The book realized $75.4k/mo against a $109.4k/mo design. Most of the gap you can close without capping any more crypto.
No convexity cost, up to $13.9k/mo: buybacks at a loss cost $8.0k/mo (your record: holding beat buying back 39 of 54 times), idle weeks $4.1k/mo, strikes further out than today's pick $1.8k/mo.
The designated crypto slices are mostly idle: BMNR Joint LC23 was written 9% of the time (+$4.5k/mo at today's pick); MARA Main LC13 Max=100 about 1% (write after the 4 Nov print). Writing these adds income with no new capping.
Everything else on the crypto road stays uncapped. At today's live premium, two-week calls on IBIT and MSTR pay less than this year's rallies took back, and BMNR's best fortnight this year was +40%.
GLXY (an income fortress, written 46% of the time) can add up to $3.6k/mo; clear of earnings until February.
Some gaps are not about writing: MU Main and Neville, GLD, QCOM and COPX are written 80%+ of the time but no strike pays the design. Those need FIGHT's ladder, a rebuild in Rolls, or a lower design.

Realized vs design

$75.4k / $109.4k

per month, 90 days

No convexity cost

up to $13.9k

buybacks + idle weeks + closer strikes

Designated crypto slices

+$4.5k

BMNR Joint LC23 now; MARA Max=100 after 4 Nov

GLXY income row

+$3.6k

written 46% of the time

1. No convexity cost: execution on the income fortresses

Ranked by what each could add a month. "Idle weeks" assumes writing 85% of the time at the rate it already earns, never past its design or today's pick. Earnings inside a two-week write push the start to after the print.

Fortress	Realized / mo (90 days)	Design / mo	Time written	Buybacks / mo	Idle weeks / mo	Closer strike / mo	Up to / mo	Action
HIMS Main LC 10 x15	$172	$996	73%	$245	–	$1.4k	$1.7k	after the 9 Nov print: hold to expiry instead of buying back; write closer: today scanner 32.5C pays $1.6k/mo
IREN Neville LC 45 x20	$928	$2.9k	51%	$580	$607	–	$1.2k	after the 5 Nov print: hold to expiry instead of buying back; write the idle weeks (51% written)
IREN RetireInc LC 50 x20	$635	$3.5k	47%	$580	$511	–	$1.1k	after the 5 Nov print: hold to expiry instead of buying back; write the idle weeks (47% written)
RKLB RetireInc LC 115 x6	$1.1k	$2.3k	63%	$650	$389	–	$1.0k	after the 9 Nov print: hold to expiry instead of buying back; write the idle weeks (63% written)
IREN Main LC 25 x20	$1.3k	$1.9k	73%	$787	$221	–	$1.0k	after the 5 Nov print: hold to expiry instead of buying back; write the idle weeks (73% written)
IREN Joint LC 25 x20	$1.3k	$1.9k	73%	$787	$221	–	$1.0k	after the 5 Nov print: hold to expiry instead of buying back; write the idle weeks (73% written)
COIN Main LC 165 x8	$2.6k	$4.4k	69%	$198	$602	–	$801	hold to expiry instead of buying back; write the idle weeks (69% written)
GOOG Neville LC 300 x15	$3.0k	$5.4k	75%	$297	$418	–	$715	hold to expiry instead of buying back; write the idle weeks (75% written)
INTC Neville LC 85 x5	$494	$1.6k	66%	$153	$145	$338	$637	hold to expiry instead of buying back; write closer: today fight 102C pays $977/mo
COIN Main LC 500 x25	$8.0k	$7.8k	69%	$620	–	–	$620	hold to expiry instead of buying back
AMZN Joint LC 200 x5	$682	$1.7k	58%	$282	$316	–	$597	hold to expiry instead of buying back; write the idle weeks (58% written)
SPCX Neville LC 150 x5	$1.6k	$1.4k	56%	$558	–	–	$558	hold to expiry instead of buying back
CRCL Neville LC 45 x5	$521	$1.1k	60%	$275	$217	–	$492	after the 4 Nov print: hold to expiry instead of buying back; write the idle weeks (60% written)
ENPH RetireInc LC 45 x10	-$402	$1.6k	6%	$393	–	–	$393	hold to expiry instead of buying back
APP RetireInc LC 460 x1	$552	$1.6k	56%	$55	$290	–	$345	after the 4 Nov print: write the idle weeks (56% written)
NVDA Main LC 215 x10	$1.6k	$2.5k	87%	$337	–	–	$337	hold to expiry instead of buying back
AAPL RetireInc LC 240 x5	$1.2k	$2.3k	89%	$317	–	–	$317	after the 2 Nov print: hold to expiry instead of buying back
GOOG Neville LC 340 x5	$999	$1.6k	75%	$99	$139	–	$238
MU Main LC 880 x5	$6.7k	$13.6k	86%	$220	–	–	$220	hold to expiry instead of buying back

2. The crypto road: designated slices only

Upside units are shares plus LEAPS contracts x 100 across all accounts. Capped today counts the calls written against the name right now.

Name	Upside units (shares + LEAPS x 100)	Capped today	Plan
BMNR	46,300	15,000 (32%)	Keep the one designated slice (Joint LC23, 150 ct) written every cycle; add none.
MARA	100,000	0 (0%)	Write the designated Max=100 slice after the 4 Nov print; add none.
IBIT	10,000	0 (0%)	Not worth capping at today's premium.
MSTR	2,700	1,400 (52%)	RetireInc fortress and Joint LC180 already write; the shares are not worth capping at today's premium.

BMNR Joint LC23: realized $1.9k/mo, today's scanner pick $6.4k/mo. Writing it every cycle adds income without capping anything you have not already chosen to cap. A 15,000-unit BMNR slice at 15% out would have given up about $77k in this year's best fortnight (+40%), roughly five months of its income: the reason to keep the budget where it is.

3. Share lots, LEAPS-only rows and Skip holds

Today's two-week calls on what is not already written. For crypto names the price of capping is measured: how often a call that far out finished in the money over this year's fortnights, and how much the premium pays against the average give-up.

Holding	Free to write	Two-week call 10% out	Two-week call 15% out	This year (crypto)	Verdict
BMNR Joint shares	8,800	88x 22.5C 13 Nov at $0.43 (bid/ask 0.25/0.97) → $6.1k/mo kept	88x 23.5C 13 Nov at $0.29 (bid/ask 0.11/0.81) → $4.0k/mo kept	in the money 13% of fortnights at 15% out; pays 1.4x the average give-up; best fortnight +40%	hold uncapped: this is the road to the targets
BMNR Main shares	7,500	75x 22.5C 13 Nov at $0.43 (bid/ask 0.25/0.97) → $5.2k/mo kept	75x 23.5C 13 Nov at $0.29 (bid/ask 0.11/0.81) → $3.4k/mo kept	in the money 13% of fortnights at 15% out; pays 1.4x the average give-up; best fortnight +40%	hold uncapped: this is the road to the targets
BMNR Main Skip hold LC 25	5,000	50x 22.5C 13 Nov at $0.43 (bid/ask 0.25/0.97) → $3.5k/mo kept	50x 23.5C 13 Nov at $0.29 (bid/ask 0.11/0.81) → $2.3k/mo kept	in the money 13% of fortnights at 15% out; pays 1.4x the average give-up; best fortnight +40%	hold uncapped: this is the road to the targets
BMNR Main Skip hold LC 23	7,500	75x 22.5C 13 Nov at $0.43 (bid/ask 0.25/0.97) → $5.2k/mo kept	75x 23.5C 13 Nov at $0.29 (bid/ask 0.11/0.81) → $3.4k/mo kept	in the money 13% of fortnights at 15% out; pays 1.4x the average give-up; best fortnight +40%	hold uncapped: this is the road to the targets
BMNR Main Skip hold LC 35	2,500	25x 22.5C 13 Nov at $0.43 (bid/ask 0.25/0.97) → $1.7k/mo kept	25x 23.5C 13 Nov at $0.29 (bid/ask 0.11/0.81) → $1.1k/mo kept	in the money 13% of fortnights at 15% out; pays 1.4x the average give-up; best fortnight +40%	hold uncapped: this is the road to the targets
MARA Main shares	10,000	100x 7.5C 13 Nov at $0.28 (bid/ask 0.28/0.30) → $4.5k/mo kept	100x 8C 13 Nov at $0.18 (bid/ask 0.18/0.20) → $2.9k/mo kept	in the money 15% of fortnights at 15% out; pays 2.4x the average give-up; best fortnight +44%	designated slice (Max=100): write after the 4 Nov print
MARA Main LEAPS only LC 13	40,000	400x 7.5C 13 Nov at $0.28 (bid/ask 0.28/0.30) → $18.0k/mo kept	400x 8C 13 Nov at $0.18 (bid/ask 0.18/0.20) → $11.6k/mo kept	in the money 15% of fortnights at 15% out; pays 2.4x the average give-up; best fortnight +44%	hold uncapped: this is the road to the targets
MARA RetireInc Skip hold LC 40	50,000	500x 7.5C 13 Nov at $0.28 (bid/ask 0.28/0.30) → $22.5k/mo kept	500x 8C 13 Nov at $0.18 (bid/ask 0.18/0.20) → $14.5k/mo kept	in the money 15% of fortnights at 15% out; pays 2.4x the average give-up; best fortnight +44%	hold uncapped: this is the road to the targets
BTBT Joint shares	10,000	100x 1C 13 Nov at $0.07 (bid/ask 0.05/0.14) → $1.2k/mo kept	–	in the money 22% of fortnights at 10% out; pays 4.7x the average give-up; best fortnight +41%	candidate
BTCS Main shares	3,900	–	–	–	no listed market
CAN Joint shares	10,000	–	–	–	no listed market
CLSK RetireInc Skip hold LC 17	2,500	–	–	–	no listed market
IBIT Joint shares	5,000	50x 48C 13 Nov at $0.22 (bid/ask 0.22/0.24) → $1.8k/mo kept	50x 50.5C 13 Nov at $0.07 (bid/ask 0.07/0.08) → $563/mo kept	in the money 5% of fortnights at 15% out; pays 0.5x the average give-up; best fortnight +26%	not worth it at today's premium (pays 0.8x this year's give-up)
IBIT Joint Skip hold LC 75	5,000	50x 48C 13 Nov at $0.22 (bid/ask 0.22/0.24) → $1.8k/mo kept	50x 50.5C 13 Nov at $0.07 (bid/ask 0.07/0.08) → $563/mo kept	in the money 5% of fortnights at 15% out; pays 0.5x the average give-up; best fortnight +26%	never: a call below this far-out LEAPS is a short spread against the convexity
MSTR Joint shares	1,000	10x 140C 13 Nov at $3.30 (bid/ask 3.30/3.75) → $5.3k/mo kept	10x 147C 13 Nov at $2.05 (bid/ask 2.05/2.25) → $3.3k/mo kept	in the money 17% of fortnights at 15% out; pays 0.9x the average give-up; best fortnight +42%	not worth it at today's premium (pays 0.9x this year's give-up)
MSTR Main shares	300	3x 140C 13 Nov at $3.30 (bid/ask 3.30/3.75) → $1.6k/mo kept	3x 147C 13 Nov at $2.05 (bid/ask 2.05/2.25) → $988/mo kept	in the money 17% of fortnights at 15% out; pays 0.9x the average give-up; best fortnight +42%	not worth it at today's premium (pays 0.9x this year's give-up)
MSTX Joint shares	100	–	–	–	no listed market
MSTX Main shares	250	–	–	–	no listed market
SBET Main shares	3,000	30x 7.5C 13 Nov at $0.13 (bid/ask 0.03/0.44) → $639/mo kept	30x 8C 13 Nov at $0.14 (bid/ask 0.08/0.31) → $663/mo kept	in the money 16% of fortnights at 15% out; pays 1.8x the average give-up; best fortnight +41%	candidate

4. Gaps that more writing will not close

GLD Main: realized $638/mo vs design $8.5k/mo, written 100% of the time. more income needs FIGHT's ladder or a rebuild in Rolls
QCOM RetireInc: realized $208/mo vs design $2.4k/mo, written 100% of the time. today's best pick pays only $289/mo: more income needs FIGHT's ladder or a rebuild in Rolls
MU Main: realized $6.7k/mo vs design $13.6k/mo, written 86% of the time. today's best pick pays only $3,302/mo: more income needs FIGHT's ladder or a rebuild in Rolls
MU Neville: realized $3.2k/mo vs design $6.5k/mo, written 84% of the time. today's best pick pays only $347/mo: more income needs FIGHT's ladder or a rebuild in Rolls
AAPL RetireInc: realized $1.2k/mo vs design $2.3k/mo, written 89% of the time. Strikes at today's premium pay less than design.
COPX Joint: realized $1.8k/mo vs design $3.4k/mo, written 86% of the time. Strikes at today's premium pay less than design.

5. What your own tape says about writing

603 calls since 15 Dec (Coverage INSIGHTS write tape). Calls written across an earnings print lost money 38% of the time, against 12% when clear.

Days to expiry	Calls	Net	ROI on Max Loss / yr	Lost money
0-7d	215	$161.3k	35%	14%
8-14d	253	$328.0k	54%	9%
15-30d	101	$113.3k	29%	25%
31-60d	29	$30.5k	16%	17%
61d+	5	-$7.2k	-4%	60%

Method and limits

Realized, design, time written, buybacks and today's pick are Coverage INSIGHTS' own numbers (90-day window). The buyback line is an upper bound: some buybacks headed off larger losses.
Premiums move every minute; the live Desk tabs (Scanner, FIGHT) are the place to pick strikes. This page says where, not which strike.
Never write below a deep out-of-the-money LEAPS (BMNR LC25 / LC35, MARA RetireInc LC40, IBIT LC75): that is a short spread, not cover.
Re-run: cd _md_files/portfolio/2026-10-30_income_gaps && python3 fetch_calls.py && python3 income_gaps.py && python3 gen_page.py, then deploy_cf.sh.