Stay away from options please. Those guys with the ponytails on CNBC are pros and I bet they still struggle, despite what they say. A gentleman told me about his son and his son’s wife, who between them were going to debt hell by overspending constantly. Their house is leveraged, credit cards maxed, etc. This gentleman’s wife is giving them money, enabling this to continue. He said Facebook rats them out because they’re constantly posting pics of themselves on vacation! GOTCHA! I told him it was time for him to lower the boom, or they take him down with them. He looked at me so sad, I will never forget that face he made.