CC Manager

CC Income Manager

Jul 10, 2026 03:45 · ● CACHED

Insight 2 chains reused from the fortress_rebuild scan · Jul 10, 03:44 · 0h ago. Insight 1 marks: live.

Jul'26 INCOME · CC + PUTS + INTEREST

$68,253

S$88,214

floor $30,000 · ideal $50,000 · 22 days left · ideal reached

$7,354 interest

$39,588 booked

$21,311 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	$69,869	$60,899	$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

$109,405

S$141,402

reaches ideal

floor $30,000 · ideal $50,000

$60,899 $27,604

floor

ideal

Interest $7,354↓Base $60,899↓New CCs (rest of mo) $13,548↓E[rollover] $27,604↓= $109,405

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	158 (46 expired full / 112 bought back / 14 run over)
Avg time CC stays open	8.6 days
Win rate (kept >= 0) / run-over rate	91% / 9%
Avg premium given up (per bought-back CC)	$605
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	8.6 days
Cycles that still fit this month	2.6

Actuals by account - Jul'26 realized

Account	Realized	Accruing MTD	Share
Neville	$22,199	$287	56%
Main	$9,255	$876	23%
RetireInc	$4,469	$272	11%
Joint	$3,665	$13	9%
TOTAL	$39,588	$1,449

Interest posted this month: $7,354 (last month's accrual as of Jun 30) → Realized + posted: $46,942

accruing now: $1,449 → 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, 24 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 (28 open, 2 to close, bank $866)

Ticker	Spot	Strike	CT	DTE	Surv	Collected	Outstanding	Exit Today	Action	Why
COINMain	159.2	215.0C	8	Jul 177d	99%	$536	$68	$468	CLOSE	captured 87%, weak theta left
IRENMain	42.3	55.0C	20	Jul 177d	95%	$1,000	$490	$510	hold	hold - still earning
IRENJoint	42.3	55.0C	20	Jul 177d	95%	$1,000	$490	$510	hold	hold - still earning
RKLBRetireInc	83.4	101.0C	6	Jul 177d	94%	$738	$291	$447	hold	hold - still earning
APPRetireInc	516.4	600.0C	1	Jul 177d	94%	$435	$212	$222	hold	hold - still earning
INTCNeville	112.3	130.0C	5	Jul 155d	93%	$500	$280	$220	hold	hold - still earning
GOOGJoint	355.3	380.0C	5	Jul 177d	93%	$1,315	$355	$960	hold	hold - still earning
GOOGMain	355.3	380.0C	10	Jul 177d	93%	$2,630	$710	$1,920	hold	hold - still earning
IRENNeville	42.3	53.0C	20	Jul 177d	93%	$960	$780	$180	hold	hold - still earning
GLDMain	378.0	410.0C	5	Jul 3121d	93%	$1,650	$450	$1,200	hold	hold - still earning
HIMSMain	35.5	48.0C	15	Jul 2414d	93%	$615	$705	$-90	hold	hold - still earning
SPCXNeville	151.9	175.0C	5	Jul 177d	92%	$550	$488	$62	hold	hold - still earning
MUMain	1000.0	1100.0C	5	Jul 133d	89%	$6,000	$3,812	$2,188	hold	hold - still earning
MDBNeville	359.3	410.0C	1	Jul 2414d	86%	$35	$462	$-428	hold	hold - still earning
AMZNJoint	245.8	252.5C	10	Jul 133d	85%	$1,260	$815	$445	hold	hold - still earning
GLDMain	378.0	390.0C	5	Jul 177d	85%	$680	$637	$43	hold	hold - still earning
IGVMain	93.9	100.0C	12	Jul 2414d	83%	$1,164	$750	$414	hold	hold - still earning
QCOMRetireInc	190.7	207.5C	5	Jul 177d	83%	$1,525	$1,130	$395	hold	hold - still earning
ENPHRetireInc	45.1	50.0C	10	Jul 177d	82%	$960	$755	$205	hold	hold - still earning
NVDANeville	203.9	212.5C	5	Jul 177d	79%	$735	$792	$-58	hold	hold - still earning
SOFIRetireInc	18.6	19.5C	35	Jul 177d	75%	$770	$980	$-210	hold	hold - still earning
METAMain	628.0	630.0C	3	Jul 3121d	54%	$3,198	$10,448	$-7,250	hold	hold - still earning
RKLBNeville	83.4	115.0P	10	Jul 3121d	7%	$3,050	$31,875	$-28,825	hold	hold - still earning (put income)
NOWMain	109.1	112.0C	10	Jul 100d	-	$1,070	$530	$540	hold	hold - still earning
NEMMain	94.5	98.0C	5	Jul 100d	-	$460	$62	$398	CLOSE	captured 86%, weak theta left
CRWVNeville	89.7	90.0C	5	Jul 100d	-	-	$820	-	hold	hold - still earning
DELLRetireInc	451.5	450.0C	3	Jul 100d	-	$534	$2,940	$-2,406	hold	hold - still earning
MURetireInc	1000.0	965.0P	1	Jul 100d	-	$2,950	$1,232	$1,718	hold	hold - still earning (bull put 965/750 spread, net)

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
GOOGNeville	355.1	337.7	370.0	Jul 177d	83%	15	$8,933/mo $2,084/wk15c	—	—
SPYNeville	751.0	693.1	758.0	Jul 155d	81%	12	$6,076/mo $1,418/wk12c	—	—
GOOGNeville	355.1	375.0	385.0	Jul 2414d	83%	5	$2,572/mo $600/wk5c	—	—
COINRetireInc	158.7	186.7	185.0	Jul 2414d	88%	3	$893/mo $208/wk3c	—	—

Variation	Contracts	Weekly $	Monthly $	Blended surv	Reaches floor / ideal
Max	35	$4,311	$18,475	83%	✓ 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)
COINMain	deep drawdown (safe floor 36% above spot)
ETHAMain	deep drawdown (safe floor 37% above spot)
BMNRRetireInc	deep drawdown (safe floor 34% above spot)
NEMMain	deep drawdown (safe floor 25% above spot)
MSTRRetireInc	deep drawdown (safe floor 77% above spot)
IRENRetireInc	deep drawdown (safe floor 58% above spot)
COPXJoint	deep drawdown (safe floor 25% above spot)
CLSKRetireInc	deep drawdown (safe floor 32% above spot)
GLXYMain	longer-term bullish hold (excluded)
MUNeville	deep drawdown (safe floor 24% above spot)

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

Ticker	Spot	Strike	DTE	Surv	Contracts	Net / mo
GOOGNeville	355.1	415.0	Jul 2414d	96%	15	$1,660
SPYNeville	751.0	767.0	Jul 2010d	94%	12	$1,074
GOOGNeville	355.1	415.0	Jul 2414d	96%	5	$553
COINRetireInc	158.7	205.0	Jul 2414d	96%	3	$243

Max-safety extra available: $3,531

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	1002.3	1241.6	1250.0	Jul 2414d	89%	2	$3,200

Recovery income this cycle: $3,200

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]
MUMain	1000.0	1100.0	Jul 133d	89%	5	$6,000	3.0x	$12,668	$11,241
GOOGMain	355.3	380.0	Jul 177d	93%	10	$2,630	1.4x	$2,591	$2,417
QCOMRetireInc	190.7	207.5	Jul 177d	83%	5	$1,525	2.0x	$2,146	$1,776
AMZNJoint	245.8	252.5	Jul 133d	85%	10	$1,260	2.1x	$1,858	$1,576
RKLBRetireInc	83.4	101.0	Jul 177d	94%	6	$738	2.8x	$1,454	$1,365
GOOGJoint	355.3	380.0	Jul 177d	93%	5	$1,315	1.4x	$1,296	$1,209
IRENMain	42.3	55.0	Jul 177d	95%	20	$1,000	1.8x	$1,232	$1,175
IRENJoint	42.3	55.0	Jul 177d	95%	20	$1,000	1.8x	$1,232	$1,175
IRENNeville	42.3	53.0	Jul 177d	93%	20	$960	1.8x	$1,182	$1,100
ENPHRetireInc	45.1	50.0	Jul 177d	82%	10	$960	1.6x	$1,101	$902
INTCNeville	112.3	130.0	Jul 155d	93%	5	$500	2.3x	$804	$751
NVDA uwNeville	203.9	212.5	Jul 177d	79%	5	$735	1.6x	$843	$670
GLDMain	378.0	390.0	Jul 177d	85%	5	$680	1.6x	$744	$629
SPCXNeville	151.9	175.0	Jul 177d	92%	5	$550	1.6x	$631	$580
IGVMain	93.9	100.0	Jul 2414d	83%	12	$1,164	0.8x	$667	$554
APPRetireInc	516.4	600.0	Jul 177d	94%	1	$435	1.6x	$499	$467
MDB uwNeville	359.3	410.0	Jul 2414d	86%	1	$35	0.8x	$20	$17

Gross $30,968 → E[rollover] $27,604 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, ~9d), 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.