Mason @MathisREDev

I’m not a financial advisor. This isn’t advice. But I’m 22, I’m long SoFi, and I’m getting paid every 3 weeks while I wait for the market to figure out what I already know. $SOFI 🏦

I bank with SoFi. I invest with SoFi. And I’m selling puts on SoFi every 3 weeks. Here’s why I’m building my first $25k position and using options to get paid while I wait. 🧵#sofi

Goal is $25k in SoFi. Currently at ~$6,200. Puts let me scale in at discounts while collecting income on cash I’m waiting to deploy. Every assignment is just dollar cost averaging with someone else’s money funding the entry. That’s the whole game.

Covered calls would pay more short term but cap my upside. If SoFi runs to $35 by EOY and I’ve been selling $18 calls all year, I either got called out early or spent the whole year managing assignments.

At current implied volatility (~70-80%), selling 2 put contracts at the $15 strike generates ~$95 per cycle. 18 cycles a year = ~$1,700 in income on $3,000 in reserved capital. 57% annualized yield on the secured cash. And my core position never gets touched.

So here’s what I’m doing instead of just buying and sitting I sell cash secured puts 10% below market price every~17 days. Someone pays ME for the right to sell me shares cheaper than they trade today. If the stock stays up I keep the cash. If it drops I buy more shares for less

Stock is sitting around $16 after a 50% drawdown from its November high. Short seller hit piece dropped in March. Management called it factually wrong. CEO bought $500K of his own stock the same day. That’s not a red flag. It’s an opportunity

SoFi isn’t just a fintech stock. It’s a full-stack digital bank — loans, investing, credit cards, checking, crypto, and a B2B tech platform (Galileo) running 128M+ accounts globally. I’m 22. My 5-10 year horizon is longer than most people’s attention span.

@bulliespicks Let’s see it

@james_xond Always been “bad” people just like to complain online

@BarbellFi The yield makes sense, but you’re basically becoming the bank. Default, servicing, and legal timelines scare a lot of sellers off

@quinnslcm Wish more people had this vision… 1000 of the same home is not it

@antonia_mdprjct Feels right. A lot of problems come from assuming past comps or forcing solutions instead of adjusting to the specific team, timeline, and constraints

@hugomercierooo Twin

@Steezehuman Howdy 🤠

@YIMBYLAND The need is there. The constraint is feasibility imo, Family sized housing works when density, land basis, and timelines align. Without that even good intentions stall. Love it

@m_vanschaik_ @cb_doge @BOXABL Fascinating concept, seems hard to keep connected to loved ones. Curious who the target elders would be

@ScottChoppin Capital availability looks healthier, but execution risk still feels underpriced in a lot of deals. Workforce has resilience, but feasibility and time still decide outcomes

@Sirlupinwatson Tools like Google Earth + AI are making early development thinking much more visual

@sharelandtycoon Curious how others are adjusting for this. Are you seeing zoning constraints or construction costs become the bigger bottleneck right now?