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When retail investors say they are "glad" they avoided a stock like SOFI during a downturn, they are usually missing the biggest opportunity for income. Instead of buying shares at the top, I use a downward move to sell cash-secured puts, allowing me to collect massive premiums and secure an incredibly low cost basis. This sets the stage for a high-yield covered call strategy in the future, turning a temporary crash into a long-term "Digital Landlord" income engine.