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Small-Scale Question Sunday for January 18, 2026

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

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I don't quite understand the logic. You want to be dependent on your employer during the coming crises?

All extra cash in my household--all cash that survives my wife's Amazon purchases--goes into aggressively paying down our mortgage (6.5% rate) and VTI. I use the margin provided by the VTI holdings to sell options on other companies for more cash.

beeps

That's a new one for me, ha. (I'm assuming this refers to basis points).

correct, basis points