FORTRESS FIGHT: ENPH @ $44.70

BE SS: $56.15  |  CC-SS: $57.94  |  10 contracts (1,000 sh)  |  2026-07-09 21:37 |  ⌂ PORTFOLIO

ENPH @ $44.70   UNDERWATER $11.45 (20.4% below BE SS)

10 contracts (1,000 sh)  |  BE SS: $56.15  |  CC-SS: $57.94  |  IV: HIGH  |  Accounts: RetireInc:7291

LC: $45 exp 2028-01-21 (entry $29.717/sh)
SP: $60 exp 2028-01-21 (entry $22.672/sh)
HP: $20 exp 2026-09-18 (entry $0.247/sh)

Economics

Max Loss$47,300(ND $7.30 + SW $40) x 1000
Normal income ref$5,200/mo95% ann ROI on ML
Hedge rolling cost$194/mo
Unrealized P&L$-15,445fortress legs from IBKR
INCOME GOALPOSTS & VELOCITY
50% INCOME FLOOR
$2,600/mo
HEDGE COVER
$194/mo
NORMAL INCOME
$5,200/mo (ATM CC, chain)
IC VELOCITY
1.4 mo to earn back $7,300
ML VELOCITY
9.1 mo to earn back $47,300
Deep drawdown confirmed: a CC at CC-SS $57.94 (probe: $58C 15d) brings only $180/mo (<20% of normal), so FIGHT below it is warranted.
🏦 CAMPAIGN LEDGER , realized CC income since 2026-07-02; banked cash shrinks the hole, so CC-SS ratchets down (seeded from open positions, reconciled from IBKR executions nightly)
Banked since 2026-07-02
$806
Hole (after banked)
$14,640
was $15,445 · 5% earned back
Cycles closed
2
Credit in flight
$0
CC-SS ratchet
$58.66 → $57.94
TECHNICALS (cc_timing weekly gate + daily trigger)
WEEKLYNEUTRAL · %B 50 (live) · RSI 50 · MACD bearish, hist falling
DAILYMIXED (provisional) · RSI 46 · %B 27 · hist rising (nightly)
LEVELSUpper BB (CC ceiling) $65.15 (+46%) · daily UBB $55.39 · 1-wk expected move ±$6 (chain IV)
SETUPNo tilt: engine default. (advisory; floors and picks are chain-only)
⚠ Next earnings 2026-07-29: candidates whose expiry crosses it are flagged in the spectrum; EV is unreliable across earnings.
INTERPRETATION
Primary: 10 contracts at $49 / 8d. This is the safest strike (survival 78%, breach 22%) that still earns 50% of normal income ($2,600/mo); it brings $2,662/mo. The engine maximizes the odds the pullback never reaches your strike, rather than chasing the fattest near-ATM premium.
More income, less safety: the ladder tops out at 10 × $46/8d for $5,250/mo, but breach risk rises to 39% (+17pp vs the primary). The lower strike is hit by a smaller bounce.
More safety, less income: for just the hedge you can sit at 8 × $60/8d (98% survival, $210/mo).
Downside anchor: the primary mortgages $8,226 (113% of IC) ONLY on a full V-bounce all the way to SS $56, recoverable in 1.6 months of normal income. That is the rare tail; the frequent case is the strike holding. Surgical close on the 10 contracts realizes $-15,705 and cuts bleed by $194/mo.

📅 Two weekly tracks, this Friday & next Friday

Each Friday gets its own recommended pick and full income ladder (safest strike per income rung, sized across your 10 contracts). The master ranks the two by E[net]/mo to pick one grand pick; both are shown here so you can choose the tenor that fits your roll cadence.

🏆 Grand pick: NEXT FRIDAY · 17 Jul 2026 (8d) · sell 10 × $49, 78% survival, $2,662/mo (E[net] $-23/mo).
This week's Friday is inside the pin/gamma window, so only the next weekly is shown.
TrackExpirySellSurvivalIncome/moE[net]/mo
NEXT FRIDAY 🏆17 Jul 2026 · 8d10 × $4978%$2,662$-23

📅 NEXT FRIDAY · 17 Jul 2026 · 8d · E[net] $-23/mo 🏆 GRAND PICK

🎯 Engine pick: sell 10 × $49 (primary), 78% survival, breach 22%, $2,662/mo.
Stay at the pick. Stepping safer (the $50 rung (33% normal) lifts survival to 82% (breach 22% → 18%) for $739/mo less (28% income)) buys little extra safety; the income is doing real work covering the bleed.
ENPH  spot $44.70 · click a rung to expand its decision panel
RungSellExpiryDTEOTMSurvivalTouch oddsPer cycleIncome/moΔ vs pickCap give-up
cover hedge8 × $6017 Jul8d34.2%98%4%$56$210-$2,452$0
Sell 8 × $60 34.2% OTM over spot $44.70 17 Jul 2026 (8d, $0.09 mid)
= $56 credit for the 8d cycle → $210/mo projected
Survival (stays ≤ $60)
98%
Breach risk
2%
POP (stays ≤ $60.09)
98%
EV / mo
+$150
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.3 mo [0.6-2.6] median  ·  56% of paths whole by 9 mo (vs 57% without)  ·  ~0.2 challenges expected  ·  median CC cash $82
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
1%
Flat exit net (mid-life)
-$1,962
Free roll-up
+$0/wk
Safest escape (by 24 Jul 2026)
$60 @ 67% POP
54% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 8 calls + sell the new ones, one order. Prices assume the central case (day 4 of 8); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $3.57/sh now → $2.52 mid-life → ≈ $0 at expiry  |  you banked $0.07/sh, so a flat mid-life exit nets -$2.45/sh  |  roll rows are incremental, the banked premium stays yours
MoveNew strike ≈New expiryTenorEst netTotal (8 ct)POP / surv
of new CC
Roll out (same strike, buy time)~$6024 Jul 202611d left+$0.17/sh+$136
cycle +$192
66%
surv 53%
Up-and-out for even (raise the cap, free)~$6024 Jul 202611d left+$0.12/sh+$95
cycle +$151
67%
surv 54%
Max even-money escape in the band~$6024 Jul 202611d left+$0.12/sh+$95
cycle +$151
67%
surv 54%
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$210/mo
vs 50% target ($2,600/mo)-92%
vs normal income ($5,200/mo)4% covered
Net income (after hedge)$104/mo
Downside budget
✓ $60 is at/above CC-SS $57.94: assignment is break-even or better.
Cap give-up @ CC-SS (V-bounce)-$0
… as % of IC ($7,300)0.0%
… as % of ML ($47,300)0.0%
Recovery months (at normal income)0.0 mo
Surgical close (8 ct)$-12,372
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.02/sh (~25% of the $0.07 collected) or spot ≥ $60.09 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $60)); NOT the premium you collected. Momentum override: two daily closes above $55.39 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $59.40Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$59-60.09
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $60.09
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.11 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$60.00 (2.6σ)$56$777+$16,222+$3,080
+2.5%$61.50 (2.8σ)$-1,144$936+$16,381+$3,080
+5%$63.00 (3.1σ)$-2,344$1,095+$16,540+$3,080
V-BOUNCE STRESS (stock → CC-SS $57.94, where you are whole again, by expiry)
Starting unrealized P&L: $-15,445
+ Fortress recovery (un-capped): +$14,639
− CC assignment net of premium (8 × $60): -$0
− Conservative CC assignment net of premium (2 × $56): -$343
Total Position P&L @ SS: $-1,149 (+$14,296 vs today)
Do-nothing baseline at SS: $-2,522 (this trade vs do-nothing: +$1,373, the opportunity cost of earning $210/mo FIGHT income now)
🛡 safe yield10 × $5317 Jul8d18.6%91%19%$250$938-$1,725$4,686
Sell 10 × $53 18.6% OTM over spot $44.70 17 Jul 2026 (8d, $0.41 mid)
= $250 credit for the 8d cycle → $938/mo projected
Survival (stays ≤ $53)
91%
Breach risk
9%
POP (stays ≤ $53.41)
92%
EV / mo
+$296
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.4 mo [0.7-3.2] median  ·  61% of paths whole by 9 mo (vs 60% without)  ·  ~2.4 challenges expected  ·  median CC cash $1,544
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
14%
Flat exit net (mid-life)
-$1,978
Free roll-up
+$1/wk
Safest escape (by 24 Jul 2026)
$54 @ 68% POP
57% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 4 of 8); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $3.15/sh now → $2.23 mid-life (likely $1.88–$3.30)≈ $0 at expiry  |  you banked $0.25/sh, so a flat mid-life exit nets -$1.98/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 409 simulated challenges: the $53 strike is typically first touched on day 6 of 8, at $54 (overshoots $1.45). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
Roll out (same strike, buy time)~$5324 Jul 202611d left+$0.35/sh+$349
cycle +$599
[+$95…+$740] · 81% credit
66%
surv 53%
Reliable up-and-out (highest cap still free ≥60%)~$5324 Jul 202611d left+$0.29/sh+$294
cycle +$544
[+$32…+$678] · 77% credit
67%
surv 54%
Up-and-out for even (raise the cap, free)~$5424 Jul 202611d left+$0.04/sh+$37
cycle +$287
[-$286…+$387] · 55% credit
68%
surv 57%
Max even-money escape in the band~$5424 Jul 202611d left+$0.04/sh+$37
cycle +$287
[-$286…+$387] · 55% credit
68%
surv 57%
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$938/mo
vs 50% target ($2,600/mo)-64%
vs normal income ($5,200/mo)18% covered
Net income (after hedge)$743/mo
Downside budget
⚠ $53 is $5 below CC-SS $57.94: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$4,686
… as % of IC ($7,300)64.2%
… as % of ML ($47,300)9.9%
Recovery months (at normal income)0.9 mo
Surgical close (10 ct)$-15,600
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.06/sh (~25% of the $0.25 collected) or spot ≥ $53.41 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $53)); NOT the premium you collected. Momentum override: two daily closes above $55.39 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $52.47Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$52-53.41
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $53.41
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.11 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$53.00 (1.4σ)$250$-6,015+$9,430+$30
+2.5%$54.32 (1.6σ)$-1,075$-5,875+$9,570-$1,295
+5%$55.65 (1.9σ)$-2,400$-5,734+$9,711-$2,620
SS (= V-bounce)$56.15 (1.9σ)$-2,900$-5,681+$9,764-$2,970
V-BOUNCE STRESS (stock → CC-SS $57.94, where you are whole again, by expiry)
Starting unrealized P&L: $-15,445
+ Fortress recovery (un-capped): +$14,639
− CC assignment net of premium (10 × $53): -$4,686
Total Position P&L @ SS: $-5,492 (+$9,953 vs today)
Do-nothing baseline at SS: $-2,522 (this trade vs do-nothing: $-2,970, the opportunity cost of earning $938/mo FIGHT income now)
33% normal9 × $5017 Jul8d11.9%82%38%$513$1,924-$739$6,630
Sell 9 × $50 11.9% OTM over spot $44.70 17 Jul 2026 (8d, $0.73 mid)
= $513 credit for the 8d cycle → $1,924/mo projected
Survival (stays ≤ $50)
82%
Breach risk
18%
POP (stays ≤ $50.73)
85%
EV / mo
+$410
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.4 mo [0.7-3.1] median  ·  66% of paths whole by 9 mo (vs 61% without)  ·  ~5.0 challenges expected  ·  median CC cash $3,064
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
28%
Flat exit net (mid-life)
-$1,379
Free roll-up
+$1/wk
Safest escape (by 24 Jul 2026)
$52 @ 71% POP
62% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 9 calls + sell the new ones, one order. Prices assume the central case (day 4 of 8); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.97/sh now → $2.10 mid-life (likely $2.02–$3.29)≈ $0 at expiry  |  you banked $0.57/sh, so a flat mid-life exit nets -$1.53/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 853 simulated challenges: the $50 strike is typically first touched on day 5 of 8, at $51 (overshoots $1.30). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (9 ct)POP / surv
of new CC
Roll out (same strike, buy time)~$5024 Jul 202611d left+$0.41/sh+$368
cycle +$881
[+$22…+$541] · 77% credit
66%
surv 53%
Reliable up-and-out (highest cap still free ≥60%)~$5024 Jul 202611d left+$0.35/sh+$318
cycle +$831
[-$29…+$474] · 71% credit
67%
surv 55%
Up-and-out for even (raise the cap, free)~$5124 Jul 202611d left+$0.10/sh+$89
cycle +$602
[-$301…+$222] · 40% credit
68%
surv 57%
Max even-money escape in the band~$5124 Jul 202611d left+$0.10/sh+$89
cycle +$602
[-$301…+$222] · 40% credit
68%
surv 57%
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Safety roll (pay small debit, max POP)~$5224 Jul 202611d left-$0.33/sh-$296
cycle +$217
[-$780…-$184] · 15% credit
71%
surv 62%
budget: banked $513 debit $296 (58% used ≈ 0.7 wk of income) → whole cycle still +$217 cash · rolled 9 ct earn ≈ $4,351/mo while parked; 1 ct free to re-sell
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$1,924/mo
vs 50% target ($2,600/mo)-26%
vs normal income ($5,200/mo)37% covered
Net income (after hedge)$1,773/mo
Downside budget
⚠ $50 is $8 below CC-SS $57.94: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$6,630
… as % of IC ($7,300)90.8%
… as % of ML ($47,300)14.0%
Recovery months (at normal income)1.3 mo
Surgical close (9 ct)$-14,049
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.14/sh (~25% of the $0.57 collected) or spot ≥ $50.73 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $50)); NOT the premium you collected. Momentum override: two daily closes above $55.39 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $49.50Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$50-50.73
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $50.73
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.11 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$50.00 (≤1σ, normal week)$513$-9,048+$6,397+$315
+2.5%$51.25 (1.1σ)$-612$-8,791+$6,654-$810
+5%$52.50 (1.3σ)$-1,737$-8,533+$6,912-$1,935
SS (= V-bounce)$56.15 (1.9σ)$-5,022$-7,796+$7,649-$5,085
V-BOUNCE STRESS (stock → CC-SS $57.94, where you are whole again, by expiry)
Starting unrealized P&L: $-15,445
+ Fortress recovery (un-capped): +$14,639
− CC assignment net of premium (9 × $50): -$6,630
− Conservative CC assignment net of premium (1 × $56): -$172
Total Position P&L @ SS: $-7,607 (+$7,838 vs today)
Do-nothing baseline at SS: $-2,522 (this trade vs do-nothing: $-5,085, the opportunity cost of earning $1,924/mo FIGHT income now)
🎯 50% normal10 × $4917 Jul8d9.6%78%35%$710$2,662$8,226
Sell 10 × $49 9.6% OTM over spot $44.70 17 Jul 2026 (8d, $0.97 mid)
= $710 credit for the 8d cycle → $2,662/mo projected
Survival (stays ≤ $49)
78%
Breach risk
22%
POP (stays ≤ $49.97)
82%
EV / mo
+$370
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.4 mo [0.7-3.3] median, 0.1 mo faster than no FIGHT (1.4 mo)  ·  71% of paths whole by 9 mo (vs 66% without)  ·  ~6.4 challenges expected  ·  median CC cash $3,394
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
35%
Flat exit net (mid-life)
-$1,350
Free roll-up
+$1/wk
Safest escape (by 24 Jul 2026)
$52 @ 74% POP
67% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 4 of 8); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.91/sh now → $2.06 mid-life (likely $2.15–$3.30)≈ $0 at expiry  |  you banked $0.71/sh, so a flat mid-life exit nets -$1.35/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 1,043 simulated challenges: the $49 strike is typically first touched on day 4 of 8, at $50 (overshoots $1.30). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
Roll out (same strike, buy time)~$4924 Jul 202611d left+$0.43/sh+$427
cycle +$1,137
[-$8…+$524] · 74% credit
66%
surv 53%
Reliable up-and-out (highest cap still free ≥60%)~$4924 Jul 202611d left+$0.37/sh+$370
cycle +$1,080
[-$65…+$456] · 68% credit
67%
surv 55%
Up-and-out for even (raise the cap, free)~$5024 Jul 202611d left+$0.12/sh+$117
cycle +$827
[-$371…+$176] · 38% credit
68%
surv 57%
Max even-money escape in the band~$5024 Jul 202611d left+$0.12/sh+$117
cycle +$827
[-$371…+$176] · 38% credit
68%
surv 57%
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Safety roll (pay small debit, max POP)~$5224 Jul 202611d left-$0.59/sh-$594
cycle +$116
[-$1,247…-$613] · 5% credit
74%
surv 67%
budget: banked $710 debit $594 (84% used ≈ 1.0 wk of income) → whole cycle still +$116 cash · rolled 10 ct earn ≈ $3,998/mo while parked; 0 ct free to re-sell
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$2,662/mo
vs 50% target ($2,600/mo)+2%
vs normal income ($5,200/mo)51% covered
Net income (after hedge)$2,468/mo
Downside budget
⚠ $49 is $9 below CC-SS $57.94: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$8,226
… as % of IC ($7,300)112.7%
… as % of ML ($47,300)17.4%
Recovery months (at normal income)1.6 mo
Surgical close (10 ct)$-15,705
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.18/sh (~25% of the $0.71 collected) or spot ≥ $49.97 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $49)); NOT the premium you collected. Momentum override: two daily closes above $55.39 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $48.51Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$49-49.97
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $49.97
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.11 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$49.00 (≤1σ, normal week)$710$-9,979+$5,466+$490
+2.5%$50.22 (≤1σ, normal week)$-515$-9,849+$5,596-$735
+5%$51.45 (1.1σ)$-1,740$-9,720+$5,725-$1,960
SS (= V-bounce)$56.15 (1.9σ)$-6,440$-9,221+$6,224-$6,510
V-BOUNCE STRESS (stock → CC-SS $57.94, where you are whole again, by expiry)
Starting unrealized P&L: $-15,445
+ Fortress recovery (un-capped): +$14,639
− CC assignment net of premium (10 × $49): -$8,226
Total Position P&L @ SS: $-9,032 (+$6,413 vs today)
Do-nothing baseline at SS: $-2,522 (this trade vs do-nothing: $-6,510, the opportunity cost of earning $2,662/mo FIGHT income now)
100% normal10 × $4617 Jul8d2.9%61%82%$1,400$5,250+$2,588$10,536
Sell 10 × $46 2.9% OTM over spot $44.70 17 Jul 2026 (8d, $2.02 mid)
= $1,400 credit for the 8d cycle → $5,250/mo projected
Survival (stays ≤ $46)
61%
Breach risk
39%
POP (stays ≤ $48.02)
73%
EV / mo
$-167
📈 CAMPAIGN OUTLOOK (400 paths, sell-roll-repeat this rung for 9 mo)   whole in 1.3 mo [0.6-3.0] median, 0.2 mo faster than no FIGHT (1.5 mo)  ·  68% of paths whole by 9 mo (vs 60% without)  ·  ~14.7 challenges expected  ·  median CC cash $4,773
🛡 IF CHALLENGED (spot reaches the strike) · challenge = the strike is touched at any point, so it runs ~2x the breach risk (finishing through it)
Challenge odds (touch by expiry)
67%
Flat exit net (mid-life)
-$534
Free roll-up
+$1/wk
Safest escape (by 24 Jul 2026)
$51 @ 81% POP
78% survival
Roll menuyour doors if the call gets challenged; each row = buy back the 10 calls + sell the new ones, one order. Prices assume the central case (day 4 of 8); earlier = worse credits, later = better, through the strike = add intrinsic
Buyback gross: $2.73/sh now → $1.93 mid-life (likely $2.59–$3.59)≈ $0 at expiry  |  you banked $1.40/sh, so a flat mid-life exit nets -$0.53/sh  |  roll rows are incremental, the banked premium stays yours
📊 Across 2,015 simulated challenges: the $46 strike is typically first touched on day 3 of 8, at $47 (overshoots $1.34). The [P25–P75] under each Total is that door's credit across those paths; % credit is the share of those challenges where the roll is a net credit.
MoveNew strike ≈New expiryTenorEst netTotal (10 ct)POP / surv
of new CC
Roll out (same strike, buy time)~$4624 Jul 202611d left+$0.47/sh+$475
cycle +$1,875
[-$114…+$220] · 62% credit
66%
surv 53%
Up-and-out for even (raise the cap, free)~$4724 Jul 202611d left+$0.17/sh+$165
cycle +$1,565
[-$484…-$113] · 16% credit
68%
surv 58%
Max even-money escape in the band~$4724 Jul 202611d left+$0.17/sh+$165
cycle +$1,565
[-$484…-$113] · 16% credit
68%
surv 58%
SS $56 not reachable for even money within 45d; this is the ceiling of the free ladder
Safety roll (pay small debit, max POP)~$5124 Jul 202611d left-$1.11/sh-$1,112
cycle +$288
[-$2,186…-$1,530]
81%
surv 78%
budget: banked $1,400 debit $1,112 (79% used ≈ 0.9 wk of income) → whole cycle still +$288 cash · rolled 10 ct earn ≈ $2,241/mo while parked; 0 ct free to re-sell
POP = P(stays ≤ strike + premium collected, the call is profitable); surv = P(stays ≤ strike, the call expires fully worthless). Survival is the stricter bar (no premium cushion), so it sits below POP.
Method: each leg = its live quote (buyback off the ask, sells off the bid) × a Black-Scholes ratio to the challenge, using the leg's own IV shifted -0.4 vol pt per +1% move (equity skew: vol eases as spot rises; buyback shift floored at 0). Estimates, not quotes; the live roll table owns the real decision when a CC is actually threatened.
More detail, income coverage, downside budget, tripwires, held-to-expiry ladder, V-bounce stress
Income coverage
Gross FIGHT income$5,250/mo
vs 50% target ($2,600/mo)+102%
vs normal income ($5,200/mo)101% covered
Net income (after hedge)$5,056/mo
Downside budget
⚠ $46 is $12 below CC-SS $57.94: assignment on a recovery to whole locks the cap give-up below.
Cap give-up @ CC-SS (V-bounce)-$10,536
… as % of IC ($7,300)144.3%
… as % of ML ($47,300)22.3%
Recovery months (at normal income)2.0 mo
Surgical close (10 ct)$-16,070
Tripwiresprice and time left decide together; the matrix is the playbook
The one rule: roll when the short call's remaining TIME VALUE < $0.35/sh (~25% of the $1.40 collected) or spot ≥ $48.02 (breakeven), whichever comes first. Time value = call mark price minus intrinsic (max(0, spot − $46)); NOT the premium you collected. Momentum override: two daily closes above $55.39 (daily upper band) or daily RSI > 70 → treat "pressing" as "through".
Spot \ Time≥ 5d left3-4d left≤ 2d (expiry)
Below $45.54Do nothing. Theta wins.Do nothing.Penny buyback at the close; re-sell next cycle.
Pressing the strike
$46-48.02
Hold, alert at breakeven. Rolling into a spike pays top dollar; let theta bleed the buyback first.★ Roll on strength NOW: cheap buyback, fat credits.Close or roll same day; pin risk at the strike.
Through breakeven
≥ $48.02
Act now: intrinsic compounds daily. Up-and-out or safety roll.Roll or close immediately; time value is gone.Close today, or be assigned.
If held to expiryexact, settlement = intrinsic  ·  fortress delta 1.11 (IBKR)
ScenarioSpotCC leg netPosition totalvs todayvs do-nothing
at strike$46.00 (≤1σ, normal week)$1,400$-12,607+$2,838+$1,180
+2.5%$47.15 (≤1σ, normal week)$250$-12,485+$2,960+$30
+5%$48.30 (≤1σ, normal week)$-900$-12,363+$3,082-$1,120
SS (= V-bounce)$56.15 (1.9σ)$-8,750$-11,531+$3,914-$8,820
V-BOUNCE STRESS (stock → CC-SS $57.94, where you are whole again, by expiry)
Starting unrealized P&L: $-15,445
+ Fortress recovery (un-capped): +$14,639
− CC assignment net of premium (10 × $46): -$10,536
Total Position P&L @ SS: $-11,342 (+$4,103 vs today)
Do-nothing baseline at SS: $-2,522 (this trade vs do-nothing: $-8,820, the opportunity cost of earning $5,250/mo FIGHT income now)
A nudge, not a rule: the engine maximizes income at acceptable safety; this weighs the income you would give up against the breach risk you would shed. Your hedge bleed and your read on ENPH are the tiebreakers.
⚔ FIGHT CC options · full candidate scan (16 clear the floor), click to expand

Every eligible strike x expiry in the 4-45 DTE band (2 expiries scanned, 16 clear the income floor), each sized to the minimum contracts that clear it. Sorted by survival (safest first): the primary 🎯 is the safest; rows below trade safety for income.

Fortress delta: 1.106 (IBKR)  |  Recovery@SS: +$14,639 (un-capped fortress gain if stock rallies to SS)  |  Do-nothing @ SS: $-2,522

StrikeDTEExpiryBidSellIncome/moNet/moSurvivalPOP (mid)EV/moCap Give-up @ CC-SS%ICTotal P&L @ SS
$498d17 Jul 2026$0.7110/10$2,662$2,46878%82%+$370-$8,226112.7%$-9,032 (vs do-nothing $-6,510)
$48.508d17 Jul 2026$0.829/10$2,768$2,61775%81%+$367-$7,755106.2%$-8,732 (vs do-nothing $-6,210)
$488d17 Jul 2026$1.007/10$2,625$2,56373%79%+$459-$6,25685.7%$-7,576 (vs do-nothing $-5,054)
$4815d24 Jul 2026$1.4410/10$2,880$2,68668%76%$-152-$8,496116.4%$-9,302 (vs do-nothing $-6,780)
$478d17 Jul 2026$1.226/10$2,745$2,72767%76%+$271-$5,83079.9%$-7,322 (vs do-nothing $-4,800)
$47.5015d24 Jul 2026$1.738/10$2,768$2,66266%75%+$108-$6,96595.4%$-8,114 (vs do-nothing $-5,592)
$4715d24 Jul 2026$1.768/10$2,816$2,71064%74%$-98-$7,341100.6%$-8,490 (vs do-nothing $-5,968)
$46.5015d24 Jul 2026$2.027/10$2,828$2,76662%73%+$38-$6,59290.3%$-7,912 (vs do-nothing $-5,390)
$468d17 Jul 2026$1.405/10$2,625$2,65161%73%$-83-$5,26872.2%$-6,932 (vs do-nothing $-4,410)
$4615d24 Jul 2026$2.037/10$2,842$2,78060%73%$-207-$6,93595.0%$-8,255 (vs do-nothing $-5,733)
$45.5015d24 Jul 2026$2.466/10$2,952$2,93457%70%+$99-$5,98682.0%$-7,478 (vs do-nothing $-4,956)
$4515d24 Jul 2026$2.725/10$2,720$2,74655%70%+$128-$5,10870.0%$-6,772 (vs do-nothing $-4,250)
$458d17 Jul 2026$1.944/10$2,910$2,98055%68%+$110-$4,39960.3%$-6,234 (vs do-nothing $-3,712)
Show 3 more candidates (lower strikes: more income, lower survival)
StrikeDTEExpiryBidSellIncome/moNet/moSurvivalPOP (mid)EV/moCap Give-up @ CC-SS%ICTotal P&L @ SS
$44.5015d24 Jul 2026$2.805/10$2,800$2,82653%68%$-21-$5,31872.9%$-6,982 (vs do-nothing $-4,460)
$4415d24 Jul 2026$3.005/10$3,000$3,02650%67%$-66-$5,46874.9%$-7,132 (vs do-nothing $-4,610)
$448d17 Jul 2026$2.194/10$3,285$3,35548%66%$-272-$4,69964.4%$-6,534 (vs do-nothing $-4,012)

Income/mo = FIGHT leg gross, DTE-prorated. Net/mo = FIGHT + conservative CC gross minus hedge cost. POP (mid) = probability stock closes at or below (strike + mid premium) at expiry, per-strike chain IV when available. Survival = CC expires fully worthless. EV/mo = premium minus expected buyback, monthly, with realized vol = IV x 85% (variance risk premium 15%). Cap give-up @ SS = recovery mortgaged on a V-bounce to SS, net of premium. Total P&L @ SS = absolute position P&L if the stock closes at SS; "vs do-nothing" = opportunity cost against holding all 10 contracts at the conservative CC.

fortress_fight.py v6.0  |  2026-07-09 21:37