The Market Doesn't Owe You

Stop Waiting. Start Getting Paid.

The market doesn’t owe you growth.
It doesn’t owe you safety.
And it definitely doesn’t owe you retirement.

If you’re tired of waiting for appreciation to someday save you, this book is for you.

The Market Doesn’t Owe You is a blunt, disciplined framework for investors who want real cash flow now, not promises later. It’s written for FIRE investors who are done pretending volatility is harmless, for retirees who need income they can actually spend, and for anyone who wants high yield without surrendering control to opaque funds or “friends with deals.”

This isn’t a get-rich-quick book. It’s a get-paid-on-purpose book.

Inside, you’ll learn how income-first portfolios can realistically target 12–20%+ annual cash flow using modern, professionally managed strategies—without relying on perfect timing, heroic predictions, or blind faith in growth. You’ll see how option-based income funds, CLOs, and structured distributions can generate consistent monthly income while still capturing a portion of market upside over time.

More importantly, you’ll learn why cash flow changes behavior. When income arrives every month, you stop panicking during drawdowns. You stop selling bottoms. You stop waiting for permission. You reinvest when others freeze, and when retirement comes, you simply turn off reinvestment and start living off the distributions—without scrambling to sell assets at the wrong time.

This book also tackles the uncomfortable topics most investing books avoid:

• Why “tax inefficient” is often lazy analysis

• How return of capital distributions can defer taxes without destroying value

• When taxable accounts make sense versus Roth and IRA structures

• How conservative portfolio margin can quietly add extra income without leverage insanity

• Why small, intentional hedges protect your behavior—not your ego

No crystal balls. No guaranteed returns. No glossy pitch decks.

Just math, structure, and discipline.

If you’re chasing FIRE, planning retirement, or simply want your portfolio to pay you while the future does whatever it’s going to do, this book will show you how to stop hoping—and start getting paid.

And if you’re still waiting for the market to owe you something?

This book probably isn’t for you.