CC Manager

CC Income Manager

Jul 09, 2026 03:44 · ● CACHED

Insight 2 chains reused from the fortress_rebuild scan · Jul 09, 03:44 · 0h ago. Insight 1 marks: live.

Jul'26 INCOME · CC + PUTS + INTEREST

$59,192

S$76,541

floor $30,000 · ideal $50,000 · 23 days left · ideal reached

$7,354 interest

$39,128 booked

$12,710 pipeline

floor

ideal

dark teal = interest posted (last month's accrual, cash now) · solid = booked CC income · faded = projected pipeline (open CCs, net-adj)

Goal tracker - active target: Jul'26

Month	Gross	Net-adj	Gap to ideal
Jul'26 projected	$57,188	$51,838	$0
Aug'26 forecast	$0	$0	-

The forward (open-CC) premium is GROSS - it assumes every open call expires worthless. Historically only 70% is kept (the rest is bought back when stocks run), so the Net-adj column haircuts the forecast to match the realized number. Gap is measured on Net-adj.

Tracking to goal - projected Jul'26 income

Projected Jul'26 income

$115,122

S$148,865

reaches ideal

floor $30,000 · ideal $50,000

$51,838 $41,584

floor

ideal

Interest $7,354↓Base $51,838↓New CCs (rest of mo) $41,584↓E[rollover] $14,346↓= $115,122

Tap any segment or chip to jump to its panel below. Interest = posted cash interest (last month's accrual) · Base = booked so far + open-CC pipeline (net-adj) · New CCs = Insight 2 Max (sell every available contract), prorated to the days left in the month · E[rollover] = held CCs re-written before month-end, income survival-weighted (expected value).

Step A - 3-month income-CC behaviour

Metric	Value
Closed CC round-trips	159 (46 expired full / 113 bought back / 14 run over)
Avg time CC stays open	8.4 days
Win rate (kept >= 0) / run-over rate	91% / 9%
Avg premium given up (per bought-back CC)	$601
Give-up ratio (buyback / premium)	27.2%
Mean keep (blended)	73%
Forecast keep (median complete month)	70% · 2026-04 85%, 2026-05 64%, 2026-06 70%, 2026-07 70%

Early-cover read: MODERATE - keeping ~73% of premium; some room to widen strikes.

Excluded 9 structural ticker(s) (net CC < 0 over all history = un-caps, not income): ARM, AVGO, CIFR, GDX, HIMS, HOOD, NOW, SOFI, UAMY. These are removed the same way sheet_to_pf does, so the give-up ratio reflects genuine income-CC behaviour, not the cost of intentionally un-capping Fortress winners.

Window: last 3 months by close date. Run over = an income CC bought back at a net loss (stock ran past the strike). DBB / defensive un-caps are NOT counted here.

Premium needed to reach ideal

Quantity	Value
Gap to ideal (Jul'26)	$0
Gross premium to sell (grossed up 73%)	$0
Avg CC hold	8.4 days
Cycles that still fit this month	2.7

Actuals by account - Jul'26 realized

Account	Realized	Accruing MTD	Share
Neville	$22,199	$245	57%
Main	$9,255	$758	24%
RetireInc	$4,009	$233	10%
Joint	$3,665	$12	9%
TOTAL	$39,128	$1,248

Interest posted this month: $7,354 (last month's accrual as of Jun 30) → Realized + posted: $46,482

accruing now: $1,248 → posts next month

Realized clean income booked this Jul'26. The sheet has no account column, so each closed trade is attributed via: exact strike held in an account this month (book + history, 23 matched), 2 qty-fingerprinted, 4 split pro-rata. CSV fortress sizes are the truth for the qty fingerprint (MU 5 contracts = Main, 2 = Neville) and the pro-rata fallback. Accruing MTD = live IBKR AccruedCash per account (posts as cash next month); interest posted (footer, total only) = last month's final accrual, paid early this month. Interest never counts in CC income totals or projections.

Insight 1 - open CC / put book (21 open, 1 to close, bank $362)

Ticker	Spot	Strike	CT	DTE	Surv	Collected	Outstanding	Exit Today	Action	Why
COINMain	160.8	215.0C	8	Jul 178d	99%	$536	$140	$396	hold	hold - still earning
IRENRetireInc	42.8	48.5C	20	Jul 101d	97%	$580	$420	$160	hold	hold - still earning
NEMMain	93.2	98.0C	5	Jul 101d	96%	$460	$98	$362	CLOSE	captured 79%, weak theta left
GLDMain	374.7	410.0C	5	Jul 3122d	93%	$1,650	$432	$1,218	hold	hold - still earning
IRENMain	42.8	55.0C	20	Jul 178d	93%	$1,000	$860	$140	hold	hold - still earning
IRENJoint	42.8	55.0C	20	Jul 178d	93%	$1,000	$860	$140	hold	hold - still earning
RKLBRetireInc	82.8	101.0C	6	Jul 178d	92%	$738	$426	$312	hold	hold - still earning
APPRetireInc	523.0	600.0C	1	Jul 178d	91%	$435	$320	$115	hold	hold - still earning
GOOGJoint	356.6	380.0C	5	Jul 178d	91%	$1,315	$502	$812	hold	hold - still earning
GOOGMain	356.6	380.0C	10	Jul 178d	91%	$2,630	$1,005	$1,625	hold	hold - still earning
HIMSMain	36.1	48.0C	15	Jul 2415d	91%	$615	$878	$-262	hold	hold - still earning
AMZNJoint	243.0	252.5C	10	Jul 134d	89%	$1,260	$665	$595	hold	hold - still earning
QCOMRetireInc	185.0	207.5C	5	Jul 178d	88%	$1,525	$838	$688	hold	hold - still earning
IGVMain	92.7	100.0C	12	Jul 2415d	87%	$1,164	$630	$534	hold	hold - still earning
NOWMain	107.9	112.0C	10	Jul 101d	85%	$1,070	$765	$305	hold	hold - still earning
MDBNeville	359.0	410.0C	1	Jul 2415d	85%	$35	$528	$-492	hold	hold - still earning
DELLRetireInc	431.2	450.0C	3	Jul 101d	80%	$534	$1,785	$-1,251	hold	hold - still earning
METAMain	601.8	630.0C	3	Jul 3122d	66%	$3,198	$6,255	$-3,057	hold	hold - still earning
CRWVNeville	89.5	90.0C	5	Jul 101d	55%	-	$1,262	-	hold	hold - still earning
MURetireInc	945.5	965.0P	1	Jul 101d	36%	$2,950	$4,275	$-1,325	hold	hold - still earning (bull put 965/750 spread, net)
RKLBNeville	82.8	115.0P	10	Jul 3122d	7%	$3,050	$32,875	$-29,825	hold	hold - still earning (put income)

Collected = premium you sold it for. Outstanding = cost to buy it back now. Exit Today = profit/loss locked in if you close now. CLOSE = banked most of it and the slot is better redeployed.

Insight 2 - CCs to sell (DTE 5-14, survival >= 80%, gap $0)

Ticker	Spot	CC-SS	Strike	DTE	Surv	Avail	Max	No-spread	Mix
MUMain	947.7	1056.9	1070.0	Jul 178d	80%	5	$29,686/mo $6,927/wk5c	—	—
GOOGNeville	355.7	337.4	370.0	Jul 178d	81%	15	$9,499/mo $2,217/wk15c	—	—
SPYNeville	745.2	693.3	753.0	Jul 145d	81%	12	$6,551/mo $1,529/wk12c	—	—
INTCNeville	107.9	116.7	120.0	Jul 178d	80%	5	$2,975/mo $694/wk5c	—	—
GOOGNeville	355.7	374.5	372.5	Jul 178d	84%	5	$2,525/mo $589/wk5c	—	—
NVDANeville	204.3	203.1	215.0	Jul 178d	81%	5	$2,348/mo $548/wk5c	—	—
COINRetireInc	160.7	188.4	190.0	Jul 178d	94%	3	$655/mo $153/wk3c	—	—

Variation	Contracts	Weekly $	Monthly $	Blended surv	Reaches floor / ideal
Max	50	$12,656	$54,239	82%	✓ floor · ✓ ideal
No-spread	0	$0	$0	0%	✓ floor · ✓ ideal
Mix	0	$0	$0	0%	✓ floor · ✓ ideal

Each variation cell shows the contracts to sell and the weekly / monthly income that ticker brings (so you can compare e.g. HIMS vs MU). Same income strike per fortress. Max = sell every available contract (full income capacity). No-spread = concentrate on the best names to hit the goal. Mix = risk-adjusted pick, soft-capped at 67%/ticker (the balanced default). CC-SS is the safe floor; Strike is at/above it.

NOT BEING SOLD

Ticker	Reason
RIOTJoint	longer-term bullish hold (excluded)
SPCXNeville	deep drawdown (safe floor 24% above spot)
ETHAMain	deep drawdown (safe floor 37% above spot)
BMNRRetireInc	deep drawdown (safe floor 35% above spot)
NEMMain	deep drawdown (safe floor 27% above spot)
IRENNeville	deep drawdown (safe floor 40% above spot)
MSTRRetireInc	deep drawdown (safe floor 79% above spot)
ENPHRetireInc	deep drawdown (safe floor 42% above spot)
COPXJoint	deep drawdown (safe floor 29% above spot)
CLSKRetireInc	deep drawdown (safe floor 43% above spot)
GLXYMain	longer-term bullish hold (excluded)
MUNeville	deep drawdown (safe floor 31% above spot)
SOFIRetireInc	structural - you un-cap this name (net-CC < 0)

Insight 2b - extra income at MAX safety (complements No-spread)

Ticker	Spot	Strike	DTE	Surv	Contracts	Net / mo
MUMain	947.7	1270.0	Jul 178d	97%	5	$4,299
GOOGNeville	355.7	385.0	Jul 178d	95%	15	$2,252
SPYNeville	745.2	762.0	Jul 178d	94%	12	$1,310
GOOGNeville	355.7	385.0	Jul 178d	95%	5	$751
NVDANeville	204.3	225.0	Jul 178d	94%	5	$628
INTCNeville	107.9	137.0	Jul 178d	96%	5	$587
COINRetireInc	160.7	195.0	Jul 178d	96%	3	$434

Max-safety extra available: $10,261

On the contracts No-spread leaves unused, the SAFEST strike that still pays a practical premium (>= 40/contract) - extra income at maximum survival without touching the gap-fill picks.

Insight 2c - recovery income on underwater fortresses (DTE up to 45)

Ticker	Spot	CC-SS	Strike	DTE	Surv	Contracts	$ / cycle
MUNeville	947.7	1246.0	1250.0	Jul 2415d	92%	2	$2,040
IRENNeville	42.6	59.7	60.0	Jul 2415d	94%	20	$1,000

Recovery income this cycle: $3,040

For deep-drawdown fortresses you are waiting on: the best CC at/above CC-SS out to 45 DTE that still pays >= 1000/cycle. Safe by construction (at/above CC-SS) - harvest income while the structure recovers.

Insight 2d - expected rollover income (held CCs re-written before Jul'26 end)

Ticker	Spot	Strike	DTE	Surv	Contracts	Collected	Cycles	Gross	E[income]
GOOGMain	356.6	380.0	Jul 178d	91%	10	$2,630	1.4x	$2,591	$2,363
QCOMRetireInc	185.0	207.5	Jul 178d	88%	5	$1,525	2.0x	$2,146	$1,884
AMZNJoint	243.0	252.5	Jul 134d	89%	10	$1,260	2.1x	$1,895	$1,683
RKLBRetireInc	82.8	101.0	Jul 178d	92%	6	$738	2.8x	$1,454	$1,341
GOOGJoint	356.6	380.0	Jul 178d	91%	5	$1,315	1.4x	$1,296	$1,182
IRENMain	42.8	55.0	Jul 178d	93%	20	$1,000	1.8x	$1,232	$1,143
IRENJoint	42.8	55.0	Jul 178d	93%	20	$1,000	1.8x	$1,232	$1,143
IRENRetireInc	42.8	48.5	Jul 101d	97%	20	$580	2.6x	$1,071	$1,039
DELL uwRetireInc	431.2	450.0	Jul 101d	80%	3	$534	2.5x	$937	$748
COINMain	160.8	215.0	Jul 178d	99%	8	$536	2.0x	$754	$747
IGVMain	92.7	100.0	Jul 2415d	87%	12	$1,164	0.8x	$681	$591
APPRetireInc	523.0	600.0	Jul 178d	91%	1	$435	1.7x	$509	$464
MDB uwNeville	359.0	410.0	Jul 2415d	85%	1	$35	0.8x	$20	$17

Gross $15,818 → E[rollover] $14,346 to Jul'26 end

Held CCs are not dead weight: a covered name expiring before Jul'26 end frees its shares to be re-written. Cycles come from your real re-write cadence (STEP A median hold, ~8d), not the residual DTE. Income is expected value = collected × 70% keep × cycles × survival (you only re-write if you keep the shares), so there is no survival cliff - an uw (banked < 0) row simply carries a lower survival weight, not a different formula. Defensive and deep-drawdown names route to 2c instead.

Read-only and advisory. Places no orders.