>>60601175
>>60601210
Sorry anon this isn't going to work.

Higher expected returns come from risk. The reason stocks return more than cash over the long run is because they go up as well as down.

If you are in a situation where you need to sell parts of your portfolio to survive, you will inevitably sell during periods where it's down, and then you will never have enough to recover when it goes up.
This is the same problem that retirees face - if you get a bad sequence immediately after retirement you can end up with nothing 10 years later because it will never recover.

There is no return without risk, but there can be risk without return. Gambling on individual stocks or doing stupid things with options is the latter. This is called "uncompensated risk".

The way investing works in the long run is if you work, earn money, have an emergency fund, and then invest the extras into broad index funds. This way you never have to sell until retirement. Otherwise it doesn't work.

Sorry anon but that's just the truth.