For the week of 2026-05-18 through 2026-05-24, the HELOC stayed flat. The option account finished at $21,867.05 after a $500 withdrawal to cover a credit card payment, posted $0.00 in PMCC realized income, and generated -$3,480.64 in realized losses from protective strategy positions in
For the week of 2026-05-11 through 2026-05-17, the HELOC stayed flat. The option account finished at $25,183.78, posted $0.00 in PMCC realized income, generated approximately $314.74 in protective strategy realized gains, and collected $0.00 in new premium. A large credit card payment coming due is
For the week of 2026-05-04 through 2026-05-10, the HELOC stayed flat. The option account finished at $22,748.33, posted a realized PMCC loss of -$3,823.87, collected $8,117.48 in new premium, and generated approximately $7,495 in realized gains from protective long positions — netting a
For the week of 2026-04-27 through 2026-05-03, the HELOC remained flat at $74,400. Supporting system activity came from the option account, which finished at $17,237.46, posted realized PMCC income of -$1,001.42 from a defensive short call roll, and collected $3,801.25 in new
For the week of 2026-04-20 through 2026-04-26, the HELOC remained flat at $74,400. Supporting system activity came from the option account, which finished at $16,134.99, posted realized option income of -$2,766.40 from defensive position adjustments, and collected $3,494.25 in new premium. Unrealized
The system is working. The timeline isn't. Here's what's changing — and why. I'm 10 weeks into running this HELOC paydown system. The weekly cycle is holding. The options account is growing. The classifications are consistent. The structure is there. But progress on
The refinance I planned from the beginning finally happened. The numbers changed. The system didn't. On April 15, 2026, I closed on a new HELOC with the same credit union. The old balance was paid off at $74,835.54. The new HELOC opened at that same amount
For the week of 2026-04-13 through 2026-04-19, the HELOC increased by $400.00 due to a planned refinance. Supporting system activity came from the option account, which finished at $14,350.55, posted realized option income of -$1,093.39 from defensive position adjustments, and collected $2,553.27
A real-world HELOC paydown system built for bi-weekly income, uneven cash flow, and long-term consistency. New here? This post walks through how the system runs week-to-week. For context on the strategy and results, start with the strategy or how the system works. Introduction — Why This System Exists This is the
For the week of 2026-04-06 through 2026-04-12, the HELOC stayed flat. The options subsystem remained active, collecting $3,881.57 in new premium while closing positions for a realized loss of $2,205.72. The account ended the week at $12,705.73, with open positions down $169.39 on
The HELOC stayed flat this week. The options account is still below its $50,000 target, so the system remains in accumulation mode. No option income was realized this week. Open positions were down $2,725.01 on paper and did not reduce the HELOC. 🔗 System Context If you'
In my last post, I shared the system I’m building around my HELOC. This is what things look like right now—before that system has had time to fully take effect. This page is the baseline. Everything going forward will be measured against it. Last updated: April 6, 2026
In my previous post, I shared why I started this. This is how the system actually works. I have a $74,000 HELOC balance. It’s variable rate. It’s been used multiple times over the years. And if I’m being honest, there hasn’t been a clear system
Building a system to manage and pay down debt using real numbers and real decisions. Why I’m Paying Down My HELOC Several years ago, I opened a HELOC. At the time, it didn’t feel like a big deal. The balance was basically zero in the beginning. It was