自用，机会成本_VTI(25%)、风险对冲_TLT(25%)、风险对冲_SGOV（12.5%）、固定收益_JEPQ(12.5%)、固定收益_BITO(12.5%)、固定收益_O(12.5%)，每季低点投入。
指数（37.5%）、债券（37.5%）、比特币（12.5%）、地产（12.5%）。其中，指数（25%）、指数策略（12.5%）、长债（25%）、短债（12.5%）、比特币策略（12.5%）、地产信托 (12.5%)。
平均税前股息收入 10.4%，除 VTI 外股息为每月股息，年化约 10%(SPY 为 10.4%)，可作为养老组合。
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